Right, but we're talking at the start - you're not going to have a high fame value at the start, so you're going to need more songs. And you want to hit 200% hype regardless to maximize your rewards, even without the award show; more hype is never a bad thing, and it's easy to accomplish so long as you have enough singles to pick from.
120% Hype to be nominated, so that you spend 10 less stamina (for a total of 20) when centering your songs. 200% Hype to win, for 20 less stamina (for a total of 10) when centering your songs.
I'm arguing that there's a substantial difference between winning and being nominated in this specific case, because winning makes it nearly impossible to break an idol by having them center too many songs in a concert, whereas you have to be more cautious with a tired idol if you were only nominated for best concert that year.
Whereas I've seen many more players flounder because they don't have enough money to do anything, but their idols are getting famous enough to start demanding real salaries. In these cases, it's better to make clear to players that loans are an actual tool rather than a death spiral button like they are in many other games.
As consumers rather than business owners, we're trained to think of loans as a Bad Thing, to be avoided at all costs - because for us, loans will never increase our income (well, except for student loans). In real life, it's a fail condition for us, a sign that we're probably in dire straits unless something quite strange is going on. Even in a game, this causes people to shy away from loans because it makes them think they failed somehow.
And besides, if a player messes up by misusing a loan and ends up putting themselves in a bad spot, they can always restart - but if a player makes themselves miserable by never taking a loan and never doing more than breaking even, they're going to think the game isn't fun and uninstall it. The early game doesn't have a ton of things going on; it's better for them to overreach, play with some fun things before the financial pyramid crashes down, and learn what they did wrong, rather than never reach things like concerts at all.
It's not about whether playing without loans is viable, but rather what will best help a new player see more in the game; it's likely a new player will be restarting anyway, to try out new things based on what they learned.
