Unpopular Opinion Time: I like Tom Nook.
I mean you show up to town without even a backpack with a change of clothes and literally no money — and this dude just picks up this drifter, offers you a job and gives you a house without even a glance at your credit, and lets you pay off the mortgage as you please — no rush, no late fees, no interest.

also tanukis are the cutest canines I will brook no arguments