Well, fuck. I didn't realize I needed to farm "Moral"... now I have Gina at Brother Crusher and Moral isn't even showing up on my list (not even 50 points?)
Yeah... Moral/Immoral falls under the curse of 'game in development'.
The mechanic is added, but not fully. So it can be a bit... 'wonky'... at times.
IIrc, Baal plans to add more mid to late game sources of Moral in the next build. Which will make things easier.
Until then:
While, yes, Gina's first 2 ATs are the easiest sources of Moral, they're not the only sources.
Diane's mid ATs are also a source. During the day get her drunk enough and she'll pass out in her room in the afternoon.
Visit her room and then leave
without touching her. It's slower then Gina's early ATs, but it'll get you there.
Late game Becky also has some, but it's just once a week (after the party), so it's not really a viable source of Moral.
Once you get Moral up to 1, embrace it. That'll give you a topic you can use in conversations to build it up pretty quickly.
The topic you get at Moral 2 doesn't require it to be embraced. So you can switch back to embracing Immoral, if you want.