I think characterising Tom Nook as some evil capitalist is kind of unfair. I mean what kind of "normal" capitalist home loan comes with no interest, no deadline or schedule for paying it back, and doesn't even remind you to pay the loan?
Tom Nook just asks you once that you pay back what it cost to build your house, and then thanks you if you choose to do so.
@vurpo In the first game he makes you work for him for a bit first, but you could argue that's just a tutorial.
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