I'll have to go back and finish Xillia 2 someday. (I'm deep into ps4 land now.) As for the little girls voice, she drives me nuts because all I hear is Chopper from One Piece. (Sorry, now you will too.) The combat in Xillia is at least easier to get a grip on than Graces was. I played about 20 hours of Graces before it all clicked in my head. Just remember, you're assigning the attacks to the buttons you want, the key is remembering which weakness is on which button and spamming it. Although weapon switching makes it super easy to hit weaknesses.
The secret to the debt thing is spend the money. If your over the amount she wants she'll call every time you change locations. Keep the money below that amount and it won't trigger. I call it the games way of saying 'stop hording ther money.'
