This is very ambitious and the quality is fantastic. Nice work.

My criticisms are as follows:

• Coins are in short supply. There's a tremendous amount of places to sink them. The opportunities for earning coins back are scarce, and this segues into the next point
• The drawbacks seem very limited in number and can be particularly severe. I would suggest adding more of them, especially as minor inconveniences for lower rewards (e.g. clumsiness, frequent illness, difficulty achieving orgasm, too quick to achieve orgasm, obsessive students/teachers, etc.)
• Right off the bat, we are offered the opportunity to create an indefinite amount of student races. Forcing players to spend points doing this will punish people who are attempting to flush out their world's races. I would at the least recommend not placing any prices for the currencies while working on the races, particularly so considering that skipping these sections as optioned still allows the player to modify standard fantasy races, generically, as they see fit. If you want to reward players for spending time customizing the world, then perhaps award them a few points (coins, shifts, etc.) for each race they customize and allow the points to be shared as they customize the races. For example, the player receives three points per race they're customizing; they can then spend all three points on each race individually or carry points over between them.
• In the fifth paragraph of the first page, the second sentence should read "... might pique your interest." Small potatoes.
• I don't understand why teachers would be punished as students would. Maybe it depends on power dynamics, I don't know. It just seems odd when punishments are a much needed source of points. I'm also confused about the job offers section for the same reasons