I have played the game as it has developed, and I have complained about Nicki in the past. But I think the developer could make Nicki a better character by adding another choice at the beginning.
When Nicki comes to you place to ask for money, she comes dressed in fishnets (even the MC comments on this), so she expects the MC to want something for the money or she was told to dress sexy by her boyfriend? Well anyway, if you pick no strings attached and offer her the money, then she comes on to you and you have a lewd scene with her. (no choice)
This is the point that a choice of not having a lewd scene with her would be better for the character. See the MC has also commented that he admired her loyalty even though he does not like her boyfriend. But without a choice, you have sex with her and now she has guilt and she is now a cheater.
I myself have done all the different choices with her.. nice, mean, and nothing. I usually pick nothing and never have sex with her. As I don't like cheaters, because if they will cheat with you... they can cheat on you as well. Can't trust them. Also after the first time with her, she ghosted you for 3 months, not a word until she shows up again wanting help. And she claims to be your friend.... not a very good friend if you ask me.
Well anyway, this is not a complaint about the game, just a suggestions on how I think Nicki could be better with a simple choice at beginning.
peace.