Currygom is an extraordinary writer,there's is no denying that.

The manhwa begins deceptively with a rpg like feel,but as you progress through the rich world of Kubera, you realize the author has planned every detail; from the characters date of birth ,to the array of creatures and races that populate the complex universe.

Characters:
Every character that appears has an importance, and an impact on the story,even those that disappear for multiple chapters(nearly 300 for one of them) .Each of them could be called a protagonist in their own right, and all of them have a depth that is lacking in most anime/mangas .The main cast act believably and,even issues that would be ignored by lesser writers (schooling,parents ,aging(Ash Ketchum I'm looking at you) etc.) influence, and shape their lives.

Story:
There are only a handful of series with a story as logical and well planned as Kubera. Threads from a 100 chapters before appear,and resolve naturally,and each arc connects fluidly.Even if the first few chapters appear shallow, they contain information that has repercussions further down the intricate plotline.(My only fear is that the plot might become too convoluted as the series progresses.)

Art:
The art starts of weak,but the improvements by season 3 are nothing short of impressive.The coloring and character design improve dramatically ,and Currygom should be applauded for her hard-work.

Magic:
Yeah a special section for this ;).There are no magical power-ups,all the spells have limits and rules that cannot be broken.You won't see humans soloing gods or suras, or random superpowers.There are consequences for breaking the natural order of things, and this issue is one of the major plot points of Kubera,

Overall:
Just read it.There are times when the story might move slowly ,and some scenes might seem like fan pandering(this happens only in the beginning and doesn't effect the plot),but the story,world and characters shine through.

note:
Remember to read the writers footnotes/afterthoughts they help explain the smaller details.