Tom Nook is a good man. He be really trusting of y'all. That and if you don't pay you can't get out, he owns the island and the flights out.
If I don't pay my debts irl, eventually state enforcers will come and use force to put me in jail If I don't pay my debts in animal crossing, nothing happens. I continue to live blissfully on a beautiful island with no rent or bills, just in a slightly smaller house
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