>health and mental issues
Lumi will outlast any girl in Phase.
Lia, I think, has seasonal depression on top of her other problems.
>compliance to the contract
If this were Ninji, Lia would be long dead.
Lia has a potential to outlive anyone in Phase.
Lumi is a corner case. Lemon women can procrastinate on settling down for a long time. Otherwise, she'll graduate in 2-3 years, top. Before that, she'll return to the normal number of hours streamed while getting "another master's degree". No way she'll embrace her 30th birthday without a prospective husband.