Tbh (and I have written this before) my main gripe is the Loan quest, which I will definitely be skipping the next time I start a new game. IMO it doesn't really add to the enjoyment of the game. It restricts player freedom by forcing you to play in an "optimized" way in order to avoid game over, and just grind away like that for a while. I'd go so far as to say it delays getting to the actual story for no particular reason, since embarking on story quests takes away from your ability to slave away for the bank with their enforcers breathing down your neck.