Obviously Tess Everis since she plays such a critical role in the game! She makes you pay money for crappy cosmetics that you don't give a shit about! She probably killed all the cabal in her escape from the city by just throwing Eververse boxes at them.
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Just adding she doesn’t make you buy stuff you bought it yourself
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Also, some of Ghauls dialogue is just stupidly hilarious when he back hands you at the beginning it sounds like he is about to splooge. Then at the end when you fight him he is screaming like his ball sacs are exploding with the travelers energy.