I always figured that Holy Stuff had to be genuinely blesssed. A random crucifix shouldn't let you bypass a Denarian's Toughness.
PS: Righteousness costs 2 refresh, and Bless This House would be totally appropriate for a cathedral defender.
Thank you for catching that - it sure is! The Character Generator program had it listed as -1, and I failed to double check the math afterward. I should maybe report that to the creator.
Alas, now that I'm paying the right cost for Righteousness, Bless This House would take the Cathedral Defender to 0 Refresh. Which is fine for a "Monster" but not for the original intent, a playable PC monster.