tom nook represents the new paradigm of technocapitalism where your data is more valuable than direct money, because as consumers grow poorer, other companies are willing to pay more huge $$$ for personal data at scale
don't believe me?
in new horizons, you take out a trivial loan to buy a house. there's no interest. no due date
but you pay your moving fees and lots of other stuff with Nook Miles, which you get by allowing your Nook Phone to track *every fuckin thing you do*