I see the arguments are as illogical as they were years ago...
1 - This "whole goal of the game" is trivial when you reach mid-late game, it only serve as a initial "push"
2 - You can still avoid that by beating them and finding "alternative" places to live, so it's not "necessary"
3 - MC can literally make MILLIONS by late game
So you can:
-Rent a room elsewhere
-Buy a fucking house (again... MILLIONS!)
-Pay bodyguards/thugs to protect you from them
-Gain reputation/fame with powerful and influential people who can make them "disappear" (kidnapping/arrest)
-Straight up pay some criminals to kill them (or even do it yourself,
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style
)
Etc.
There are literally dozens of logical ways to handle this situation than illogically continuing to pay off an infinite debt or staying with a criminal if you can afford a better alternative.