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2) Sounds like you're charging too much and driving people away. Most customers only start off with a few hundred pix in their pocket and can't even afford your higher items at first, but they bring in much, much more and buy more expensive stuff if you build up reputation. Give them good deals to increase reputation quickly. If you trigger a haggle, you get no customer reputation at all and your (exponential) experience chain breaks. If you drive them off too much, they stop showing up.
3) You can't refuse entirely, but if you do everything else right it won't even come close to breaking your bank. Buy at about 70% and consider it free XP and reputation.
Remember, you buy stuff from the merchant at 70% base, so even just selling at exactly base price is still a profit of almost half your investment. Ignore Tear's awful pricing advice and try selling at ~104%. Watch for the words "Near Pin" and "Just Pin", which give you huge bonuses for selling near or exactly at the price they wanted.
Also, run Jade Way and beat the thief at the very end. The first time you do this, the end-dungeon chest gives you a vase worth more than the first payment in itself, and the old man or Alouette can usually afford it. It's also a good way to stock your shelves for the very first time, though running dungeons for merchandise very quickly becomes not that useful (drops don't sell well and what few recipes are even possible before endgame generally use way too many materials to be more than novelties).
Thanks again for answering my (noob) questions. :)
The Merchants' Guild and the Market restock every day or week I think. Once you level up your merchant level enough, they will get more items, and the lower-priced items become unlimited.
However you get an item after beating the game that lets you start with your most used adventurer next run, and since you start with Louie anyway, you might want someone else for your first run.
Honestly after finishing Jade Way, I'd just ignore the dungeons for a while. If you rack up just-pin bonuses and properly manage your shop, it's quite possible you will end up with enough money to pay off the entire dept with plenty of time to spare. At that point I'd recommend splurging through the dungeons as that's the way to unlock the endgame content, which is all based around the dungeons.
I'd advise you to try to figure out the just-pin rate's for each character. Early on you are much better off trying for the just-pin bonus rather than trying to haggle as high as possible, as it increases your relationship with the character which also increases their wallet size. An exception is Alouette, as she always has absurd amounts of money. If she asks for something cheap, go for the just-pin bonus just to increase how much she is willing to haggle and to keep your chain multiplier going. For anything else, try to get as much as possible as she will seriously overpay you to absolutely absurd extents at times.
Interestingly enough, even though the game repeatedly tells you about how broke Louie is, he's actually quite typical in terms of how much money he brings with him, how much he's willing to pay, and what his just-pin bonus is.
- haggling is good (it isn't)
- you should make your sale at 130% (you shouldn't)
It doesn't teach you
- what the pin system is
- the importance of "just combos" or what that even is.
I half figured out and googled Just Combos after 20 days or so, good luck making the last payment at merchant level 12.
Also Alouette's Just Pin prices aren't really that different from anyone else's. Her willingness to take gouged prices is probably just humoring Recette.