A central mechanic in Tales of Xillia 2 is Ludger's massive debt to the Spirius Corporation. This debt is not merely a narrative device; it directly impacts your progression. You'll receive regular calls from Nova, your debt collector, demanding payments. Failing to meet these payments will restrict your access to new areas and story progression. To pay off your debt, you'll need Gald, the currency of Elympios and Rieze Maxia. Gald is primarily earned through completing main story quests, side quests, and selling items. Prioritize paying off your debt installments as soon as they become available. While it might seem daunting, the game provides ample opportunities to earn Gald. Don't hoard Gald unnecessarily; always have enough for the next debt payment. Efficient Gald management is key to unlocking new areas and advancing the story.
