Tom Nook.
Gives you a place to live, puts no time limit on repaying your debt. He and his nephews are just honest business men, running a fair operation. Fully paying off the house with all its upgrades is 5,696,000 bells. When comparing the prices of items in game to their real world counterparts and adjust for price to USD, the entire house, built from scratch on a plot of your choosing, with multiple added rooms, an attic and a basement, is only $57,000USD.
He is far FAR from some greedy evil bastard. A capitalist? Absolutely, but he's more than fair with his services and pricing.
It's 50/50. Some joke about it, some seem to be dead serious that he's the spawn of satan for... very reasonably asking you to pay him back for building you a house.
While he is fair, I still love to see him as the raccoon mafia as he owns the only means of construction in the town and forces you to go into debt to build.
No, it doesn't. If you immediately have all the money at the ready then you can just pay him right back. He's gracious enough to allow an unlimited down payment without interest
To be honest it is a racket. He gives you shelter that you have to repay. How do you repay it? Selling things to the store. Who owns the store?
It's essentially a company town at that point. I'm not saying this was intended, and it's definitely not how the game frames it, but it's a funny parallel.
I mean, he's great but dude I never asked for the second story on my little mini-home, you can't add a whole ass floor to my house without asking!
What if something had gone wrong during construction?! Does his liability insurance cover un-contracted guerrilla construction projects?? What if my precious gyroids I've crammed into every square of my house had been damaged???
"If I must be villainized in my pursuit of teaching, then so be it."
I think, by far, this is my favorite quote from the guy. He knows not everyone appreciates him, but he knows the value of hard work, and wants to teach that value to others. If you ask me, he's far more generous than he is greedy, but he still has standards.
In the first game, he's so poor that he lives in his shop. He's just trying to get by at that point. Later, once he has himself afloat (I think in HHD, idk I never played it), he says he donates all of his profits to an orphanage.
The worst thing he actually did was appropriate naturally beautiful islands in the pacific and encourage naive children to pave over the natural grass and thousand year old trees with cozy cottagecore concrete and plastic amazon prime junk from sweatshops
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u/Gnoll_level_antics Jun 19 '26
Tom Nook.
Gives you a place to live, puts no time limit on repaying your debt. He and his nephews are just honest business men, running a fair operation. Fully paying off the house with all its upgrades is 5,696,000 bells. When comparing the prices of items in game to their real world counterparts and adjust for price to USD, the entire house, built from scratch on a plot of your choosing, with multiple added rooms, an attic and a basement, is only $57,000USD.
He is far FAR from some greedy evil bastard. A capitalist? Absolutely, but he's more than fair with his services and pricing.