I love Tom Nook. I don’t think he deserves the hate he gets. I balked at my very first pretend mortgage when I played Animal Crossing on the Gamecube as a kid, too… but as an adult, gosh I WISH I could get the kind of deal Tom Nook offers!
You fumble off the train into a new town, and Nook builds you your own house wherever you want it, overnight. Your mortgage has no deadlines, no minimum payments, he doesn’t even send you bills or reminders about it, and he will never evict you - if you don’t want a larger house you’re free to ignore his “debt” forever if you want to.
But Nook’s a bad guy because it’s expensive?
In the real world my house cost a couple hundred thousand, too, and I can’t go catch a beetle and sell it for $12,000 to pay it off.
I propose Animal Crossing: Teenager Mode. You get a 4x4 room in your Mom’s basement. You can’t expand, you can’t leave your stuff in other parts of the house, you can’t change your wallpaper or flooring to something she doesn’t like. If you make her angry she can even impose curfews and ground you so you can’t leave your room for a few hours.
…but no debt to Tom Nook!
I’m a crotchety old adult about Animal Crossing.
Now all you kids get off my pretend lawn, you’re messing up my hybrid orange roses and Nook’s coming over for coffee soon.