You included that Harem now gives 60% income. You also said you could buy aff items (rare panties) from market or do pachinko, however you seem to not take into account that monetary cost. You mentioned the cost of aff items is higher but they are also more effective so it shouldn't matter. Pachinko costs more when you lvl up (1,000/lvl) and the items you obtain sell back for much less than base value. The cost of aff items, pachinko, aff upgrades (which you seemed to exclude) to lvl aff from 1*-3* is much higher than the income that can be raised w/ current resources: Harem, Combativity (15 max), and Missions. The real problem is gaining the money necessary to increase the aff of characters, which should always be a problem since the cost raises per character. The affection system has become inefficient and a money sink; seeing as it takes months (in extreme cases over a yr) of constant efficiency gathering characters donations to make any profit from your purchase. Take sleep and other reasons to not be able to collect donations and it could easily take years for a character to gain back the money spent in aff and aff upgrade costs. It could be argued we don't lvl up aff for monetary profit but for the scene, character model, or stat boost, but may a remind you can see 3* scene w/o paying for aff upgrade and the models can be seen elsewhere (I think a wiki) so those shouldn't be the reason to ruin yourself financially in the game. The stat boost really is unnecessary especially if you can beat all trolls because PvP is still as useless as ever. In conclusion, it may take much longer much more pointless grinding on what should be an idle game than you think to get characters 3*.