people need to chill out on tom nook.
he’s not a slum lord or a bloodthirsty debtor or a slave laborer.
he allows you to purchase a house with no money, lets you work off the basic payments with a half-hour of quick chores, and then leaves you to take as much time as you need to get the rest of the payments to him whenever you can with no deadline, interest, or repercussions for putting it off.
he’s basically just a cool friend who lets you borrow money and says “yeah no worries pay it back when you can” except he also gives you a house.
what a great dude.
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