In a game where the point is to make money (in this case from sex work) you need a money sink. That's a basic game design concept...
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where here the incentive is to not get kicked out of your house.
My real faults here are to have implemented this without enough easy or fun means to make money, but this will be partially fixed in 0.4.1 (see the list of changes somewhere here and on my Subscribestar page).
Also, this has been said many times before, but you don't need to grind the 5K in this version, just talk toEve about the renovations and the dev (me) will give the 5K to you if yo so desire. I'll add a warning about that in 0.4.1.