It is not a badly written book nor its offensive, controversial or disgusting. Quite the contrary. I would say, for the genre, is one of the most unobjectionable and direct stories you can get.
So why the 1 star and 40% completed? Because, simply, I had read in my life other stories about:
* a girl trying to pay a debt
*a magician growing in power
*an overpowered MC who is not bright
a sassy girl who is really nice and gives you the patented smirk.
* a noble (or of a higher social strata that everyone else) who is humble and call me by the name
* Joss Whedon banter.
*a soft post-apocalyptic with magitek.
If you have read any fantasy novel that covers any of these plot points, this book is not for you.
If I had to describe it succinctly, I would say that this book is to progress magic female rebel stories what the 4th face is to the MCU. This is a set of checklists scrupulous played in a story from point A to point B to become the most generic plot you can get in this genre or honestly, in the genre of YA post-apocalyptic with magic. It's like a clone of a clone of a clone of the Hunger Games but with no stakes and no romance (as far as I had seen on the reviews of the next books).
What it is, and I would give it quite the credit, is that it's a very well-done world-building. It had an interesting setting, a very well-thought-out magical system, and really got into the economics and cultural differences that exist between city-states that are divided by the badlands.
If this was a tabletop RPG with minimal microfiction, this would be 5 stars (as far as I read). And you can feel the author's excitement in exploring their world and its minutiae.
The issue is that for it to be released/read/bought, they splashed the most non-entity character they could get, and since creating conflict take a lot of effort (and I think they confused cozy fantasy with no stakes fantasy) both in the planning, staging and the continuity with the story, all obstacles are resolved in less than a chapter if they are not just given to the MC because she is a black hole of charisma and wonder. No battle is thought, no problem is hard and they other characters twist backward to make sure she had the most expedited time from point A to B. As for the setting and its wonders, the author created a Frankenstein of a very well-educated yet unbelievably ignorant and no impulse control protagonist who know everything and nothing at the same time, so we can get a monologue every single chapter from her or from people explaining the world.
The story says she is in deep debt, that she needs her wits to survive as a mage fresh out of the academy, that she is becoming an "interesting" subject for the powers that be and so on. In truth, she starts with cheats codes of infinite money, infinite friends, infinite time, no damage.
If you want to give this as an easy read for a first timer in the fantasy progression or overpowered female protagonist from the apocalypse, with a very sanitized writing, this is the book for you
If you want to read some very well developed worldbuilding and magical economics that are not too outhere for ideas for your won story, this is the book for you.
if you are looking for an entertaining story, a plot or character progression that actually has stakes on them, then give this series a hard pass.