"Holy moly, it has 37 billion HP? Is this something that really exists?"
"So what if it has 37 billion? There are 40 million residents in Dawn City! If you average it out, each person only needs to deal a thousand points of damage. That's enough to kill it in two hours. Are you telling me you can't deal a thousand points of damage?"
"Well, that may be true, but isn't this thing's ability too terrifying? You have to die once every ten hits. How many people can withstand such a drain on their lives?"
"Exactly, and there's the issue of experience penalties. It's not a big deal for players below level ten as they won't lose experience upon death. But for players above level ten, the experience penalty doubles with each consecutive death. If you die a few times, you'll quickly drop back to below level ten... We've all worked hard to level up. I'm willing to defend the city and even die a few times, but I can't possibly drop an entire tier just to defend the city!"