I think a smart evil character can make a deal with Raphael. A smart NE character will pay with someone else's soul. A smart LE character will make a deal with Raphael that can never actually be collected on because rules lawyering. Ever read the "Children of the Nameless" MTG novella? Think "You can have my soul if I don't die before I turn 65." While the character plainly knows that they have previously died and thus the devil can never fulfill their end.
That is a good idea, about paying with someone elses soul. Kind of like the Kharlach side quest, with the Tyr paladins type thing? But ofc that brings the point if that devil can be trusted, but that's a whole other thing so lets not jump there lol. It would be nice if paying with someone elses soul is an option later in the game if you do deal with Raphael.