What are you talking about, reading a lot into one "but". That's like exactly what a "but" is used for.
But: used to introduce a phrase or clause contrasting with what has already been mentioned.
But I'll give you the over dramatization of their poverty (this game is totally stereotyped by its over dramatizations by now anyway). You'd be hard pressed today to buy a car without aircon for sure. And no TV? - there was a kid in my school who didn't have a TV,
but that's because his parents wanted their kids to be geniuses and not distracted (turned out it worked - fuck me!).
People on welfare are probably living better off than ol' mc and his dad.
So once again, poetic licence. Dad works hard ('cause, you know, he's a good guy), has a decent job (so he's not an all out loser)
but evil shit has befallen him and he's on hard times. I know you DPC hate brigade can't stand this phrase
but, "you gotta just accept it". There are a million reasons why they could have ended up shit creek. Who knows how consistent his work is, he could be working from contract to contract and there may not be many contracts around. His debts could be ridiculous, some poor fucker in the US has just survived Coranavirus only to now be the proud owner of a $1.1m fucking bill.
Bottom line, it's been explained why they are ass fucked poor, there's no need for the author to provide the family budget to appease the anal retentive few...