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But balance just completely went out the window after Golden. 4 base had some spikes and got easier the deeper in you went, but then Golden was letting you get SP from every fight and choose your Arcana. 5 was also similarly easy, and Royal took an already breezy game and broke all the windows.
I don't understand what you're even trying to say. Were you replying to me, or...? Because I don't see how any of this relates to what I just wrote. There are a lot of ways in the game to "break it", that's just a true statement.
The hard part about SMT is recovering from a mistake, and the fact that all of your team's actions come from the same pool, so when you're (as a first timer) performing trial and error for weakness-checking you can explode your own party by hitting a Null/Repel, having a weakness or straight up just missing. SMT 3-5 are undoubtedly harder in this aspect, since there's no punish for failing these in Persona.
To answer OP, yes it's 100% overpowered and broken, in the original game it was available only at rank 10 which makes complete sense, it's such a weird design choice that it got moved to rank 5, which also happens to be about the point at which you should have reached Chariot Rank 7 and stopped needing money for a lot of other things. It isn't that bad for Magic Personas, because of the higher SP costs, but for Strength Personas it's straight up ridiculous (% HP costs).
So simple..don't use it. Its a persons choice to break the game.Not the games choice.
That's not even that good tbh. There are better ways of farming money much earlier. But that only illustrates the point I've made. The game gives you A LOT of ways to break it in some fashion, especially in Royal.