system
Given the following post, respond as if you're commenting on Reddit:
human
[Animal Crossing] Are other residents of the town also in debt to Tom Nook? How much does control does he exert over its inhabitants?

Every time you upgrade your house he just gives you another debt.  In the early games, he's the only person buying items.  In later games, his sons take over his work, and from a very young age.  Does this constitute an oligarchy?
gpt
Tom Nook isn't as evil as everyone seems to think he is. He is very misunderstood. He’s just passionate about his business. He’s not like a loan shark. He doesn’t add a handling fee or anything like that. He can wait as long as it takes for you to pay back. He’s not as bad as other people might think he is.