As the topic states, and i hope there haven't been TOO many of these.

Is the game really kinda hard to play and understand without knowing a single bit of Japanese? (or rather being able to read it)

This would help me out, i planned on Importing the JP Version and letting lose untill the US version came out.

also if someone could direct me to a thread that explains how the payment for PSU (the japanese version) Is like, credit cards are taken, so, what's used?

What IS net cash and how do you get/use it?