The end point of all endpoints is this thing where you use every single joker on a gold stake win (across multiple i mean, I think it's called CC+ or something like that). You get some sort of sticker on the Joker I think
I've only gotten one gold stake so far tho. It's hard. But the increased difficulty levels are where the mechanics really lock in imo
edit to be clear I don't recommend going for C++, it sounds insane. Especially cause it means winning a gold stake with a straight joker, yuck. But personally I am planning on getting at least a good few gold stakes, if you get them all you get C+. Which is difficult, but not terrifyingly so
Also Balatro gaming doesn't become problematic unless it gets like this