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Yes, that's essentially it. Also, Curse of Endings is easier to trigger in many cases, because falling in love and having their heart broken are things that characters will only do by their own volition, but messing up their lives can be triggered by a whole host of different things.

Also in my experience, main characters in Monsterhearts falls in love/have their heart broken a few times each campaign, but everyone messes up their lives almost every. Single. Session.