TOM NOOK IS NOT A THIEF YOU CAME INTO TOWN PENNILESS AND HE HELPED YOU WITH A JOB AND LET YOU TAKE YOUR TIME WITH PAYING OFF YOUR HOUSE WITH NO ADDED INTEREST THE TANOOKI IS A SAINT
ITS INDENTURED SLAVERY, THE RACOON IS A CAPITALIST WHO YOU ARE BOUND TO IN DEBT AND CONTINUES TO GIVE YOU HIGH AMOUNTS IN LOANS, YOU ARE HIS WAGE SLAVE!
He gives you an interest free loan, one that would not be solvent in an actual capitalistic hellhole, and it’s YOUR choice to keep upgrading the house, which costs MONEY, and even if you stop playing the game for years he NEVER sends debt collectors after you to take your things in the game, how DARE YOU
