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tom nook isnt a landlord oh my god. u dont pay him rent. u pay him to build ur house. thats it. the bill is for ur house. it is not monthly. it is not rent. it is a bill for the literal construction of ur house and unlike real life theres zero interest on the loan and u never have to repay it in order to progress thru the game. simply the fact that nook builds the damn thing for u without even needing proof that u can or will pay him back is incredible. how is he the bad guy.
“yeah but i have to pay him back if i want to get a bigger house—“ Sometimes We Must Exchange Video Game Money For Video Game Goods And Services. literally wht universe is it common for games to just hand u all free shit n upgrades. it is so easy to pay nook back on day one. go catch some gd common butterflies