Persona 3 Reload is a pretty easy game, so I removed EXP to try to make it harder. But that wasn't enough, as this game features many ways to increase your stats. Like you can increase your HP with major arcana cards and you can use incense items as well as the arcade to increase stats like magic.
So by abusing this, in theory you can have maxed out stats while being level 1 and I didn't want to do that, so I banned any ways to repeatable increase stats. Which placed a higher emphasis on strategically using the few resources available to me, like Persona's, skills and consumable items.