Graham looks super happy about people whining about bills but I think the sims should have more sophisticated economy. First of all building is too cheap. Building a room is super expensive irl. I think they should increase the cost of building and in change offer mortgages. The interest can be used to bind sims from being too rich too easy.
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And a simulation game means it represents reality more or less. Some can argue less complexity might be more fun, but an argument that games shouldn't have complex systems is not a good one.
Glad you're enjoying it this way. For me the low difficulty was a downside of the game.