I have fixed the main problem, now negative frozen will not disable the card.
Regarding the secondary bug of quest applying Frozen 0: do you think this quest will be too hard for non-Adventurer if I change the frozen formula to (difficulty + 2)? The other solution would be to just 'cap' formula: max(difficulty + 1, 1), but I try to make sure that at least difficulty of +-1 affects as many quests as possible.