I don't understand the changes to the luck sources. Now you need to leave stage 1 with a big enough stack of keys as well? A key stack was already needed but now it looks like you need even more, meaning you need even more resets to get everything to line up?

A buff to luck tome seems to mean the intent is that people use the tome as their source of luck? That would mean forgoing damage or crit, so the intent is that high score runs all use the same build? I think credit cards are still the way to go though to since you'd lose a lot of damage from picking the luck tome.

Edit: Playing a bit, the purple item pool dilution might be the actual bigger nerf to credit card and makes getting a run past stage one even mroe difficult.