You start the game hungry, in debt, with no where to stay. It was how it was designed. Most games are like that. Take RDR2 for example. Your house in ASWS is a reward, designed to be a reward after you have built multiple relationships that benefit others. The cost of getting into your house is what it is. The cost to upgrade it is to upgrade Emily's first. The game was designed not to give you your own 3 star bed until you had satisfied Emily's needs. It's incremental. You work to get the place in Emily's storage, then into her bed, then into getting your own upgraded bed, with your own low quality bed somewhere in the middle.
You can not want to play that type of game, but Chyos deliberately designed house mechanic to be the way that it is. It wasn't an accident, or an oversight.
I am pretty surprised by your take on it. I can't think of any game where you can start working on your house right away. Peasant Quest is an example of a lewd game that doesn't. Breath of the Wild and Tears of The Kingdom are two that are the opposite of lewd that don't let you get a house until you have accomplished multiple unrelated quests.