You need some kind of exponential growth in the multiplier for resetting, like the time increases for hobbies and jobs are exponential. The way it is right now it doesn't make sense to reset with a 7+ modifier even tho your next achievement needs as much time as you have already spent on the rest.
I don't get why everyone is so upset. Yes, it is pretty blunt about wanting you to spend money, but it has quite a high production value, the game has to pay for itself. And I'm having fun even without spending money. Just go patrol while your energy is empty and do something else, no biggy.