Oh, other considerations: corruption, criminality and cube costs!
@Kinematics has Nagoya hunting as solos, only transitioning to pairs for RT farming, and they likely don't have the infrastructure to monitor DS to a 0.1 level. That's a situation ripe for abuse, especially considering that under this concept the cube hunter will be considered either the lowest or second-lowest caste (jobbers could be lower, in fact they probably are lower, including "sticks" like not being allocated any cubes for spirals, as it would be the only way to "encourage" girls to move into the more deadly hunting groups). I would be very surprised if Nagoya loses less than 5% of its monthly harvest--it's probably closer to 8-10%--to hunters putting aside a nest egg, with the hope of one day squirreling away a whole extra GCU, to possibly counter a 2-cube spiral should they have one.
Then there's legal/illegal money gathering. Given the lack of attention to paperwork (teenage dropouts, after all), Nagoya probably does something simple like paying its jobbers 1 cube for every $1000 she brings in, which means that gathering money legally will never get a cube buffer for spirals, and gathering money illegally will be preferred by the girls tasked with it, and many of the jobbers will be competing to be allowed onto a hunting rotation, because Nagoya will pay for 1-cube spirals for its hunters. Now, not being idiots, we all know what "Gather money illegally" is
actually going to mean for girls just entering teen ages, especially given that the age of consent in Japan until recently was 14, but let's ignore that and assume they're picking pockets or knocking over liquor stores or something instead. That's worth $2000 a month per meguca, more for those who have lucked into a good gig somewhere, except they're likely picking up police attention every few months and have to pay Kyubey to take the heat off. That 35-cube penalty we had to pay awhile back is probably an every 2-4 month occurrence for them.
The combination of paying off Kyubey and monthly corruption losses (which eventually become permanent losses when the hoarding girls die, leaving their hidden caches to eventually cook off into demons) would explain why Nagoya was willing to pay $5000 for a cube a month ago, despite their huge territory. and being willing to lose so much of their population to spirals every month rather than pay the cubes to keep them around.
There was another thing I was thinking about: morale stratification. I've been going on about how Nagoya probably has a morale of near-0, while
@inverted_helix counters that people can get used to bad circumstances. Well, that's true, but at the lower levels of Nagoya's caste system there isn't going to be time to get used to such conditions, because the girls die too fast for that: they'll either become part of the upper levels or eventually die off. On the upper levels, however, the Elite hunting group probably has a 2-3 Morale, since they are valued and thus life will be better for them than it is for the 0-1 hunting greens/vets or the 1-2 jobbers, and the ruling caste (like the diplomat that we've been dealing with, who may not be an Elite but just a Vet with useful skills) is probably looking at Morale 4-5.
