Yes, hard should be challenging, with a certain probability of losing even as veteran player. And at the moment, there is no real point in balancing morale. Reason is, with each new scenes you add, morale is affected, and you would have to rebalance again. As long as there is a playable + challenging difficulty (currently medium), I like you idea of going on to the next scenes first. When all the scenes are finished, then there is the time for the overall balancing.
Btw., I might have found one small bug. If you accept an obligation, the harassment chance is already updated in the GUI before loading the cargo. However, the obligation is only applied at your next visit, MC is still wearing all her clothes. I'm not sure whether the new harassment chance is used in the loading harassment check, or if the harassment check for loading in the evening is already calculated in the morning.