Yeah (and you won't be able to get it off properly even then lol). Grind be grind.I'm trying to do that but the girls keeps on saying that she'll only let the mc check her belt when he gives her money... It's really necessary getting 100k gold? =\
But even on normal it's not that hard if you use transmutation, for example iron bars + pink gems gives you silver rings, silver rings + pink gems gives you gold rings, gold rings + green gems gives you diamond rings, diamond rings (or gold rings if you lack green gems, though the payout is worse) + blue gems gives you a lot of gold. Try to do it in multipliers of 10 for better results and speed. Ten pieces of some resources (wood, metal, nails, etc) transmuted without a second ingredient give you one piece of superior quality and price. Transmute stacks of those any generic loot you don't need, and really anything of good value with blue gems to get more gold.
It's easy to pay off the debt in a few days (especially if you get a lot of blue slimes and consequentially treasure rooms on the first level) without accruing any interest once you figure how things work, and Irith's own sum wouldn't be as daunting as you level. Depending on how you roll the portal game field you might find chests with 10+k gold, but you'll also bleed a lot of gems expanding (or more likely repeatedly failing to) aggressively.