It's not that this game is hard, really. It certainly has its difficulties. But really it's just that it constantly undoes your progress. As you descend further down the levels, you face enemies that constantly do these insta-kills or level drains. Right now, three of my party have been drained of 4 total levels and I have to grind to get the 30,000 gold I'll need to restore them, which requires going back down to the lower levels to face more insta-kill/level drain enemies. This has been my experience with everything about this game; oh, were you trying to save up money to identify some magic items? Let's insta-kill your party members 6 or 7 times in a row and drain every penny. Oh, were you on the cusp of 13th level and almost ready to face Werdna? Let's drain you of multiple levels and, of course, you have no money for restoration since you spent it all resurrecting dead party members.

It's not really very much fun, tbh.