Man, this game is weird.
On the one hand, the gameplay is not bad, but it's too simple and easy. Waaaaay too easy to earn enough gold and mana to become overpowered and the debt is a complete non-factor. I wasn't even mildly tempted to use the brothel or whatever beyond, y'know, wanting to see the H in a hentai game.
In theory, the H-content is decently well integrated in the game... but in practice, you just never need to bother with it, ever.
Moving back a bit to the gameplay... It's not that varied. Get a bit of a power boost, replace basic attack cards with Gale Slash, basic shield cards with that one rare shield card that heals... maybe add in another card or two of some other kind for flavor... bam, you win the game forever. Just gotta upgrade stats and/or artifacts.
Final boss fight was a complete joke.
Was this game balanced around Hard mode or something?
In any case, it's not a bad time-waster, and the art is really hot, but if you're used to these types of games, you're not going to see any H-content outside of the gallery unless you intentionally go for it. Even then, I'm not sure how badly you'd need to play to get the monster scenes, which I assume happen on defeat once you lose the goddess favor stuff? Dunno.
The game's not good enough to make me replay it.
Alas, it seems that Last Evil remains the only game of this type that's genuinely good in all aspects. Every other card battler game I've seen has been mediocre at best.