Those are the conditions for the 11 varieties of ending currently in the game. Psychology V lets the MC manipulate others more easily and Finance III helps him deal with, you've guessed it, financial matters, both of which can impact the endings.
Once Izumi's endings and then the wider story endings are added, presumably other factors will come into play, but they don't affect the endings currently.
All of Grace's endings have Angela and Bailey just magically disappearing with no mention, as far as I have seen.