Hmmm, it just occurred to me: I wonder if the MC's reaction in the first chapter is explained by the initial Nikki encounter mirroring how his mother treated him? Am I getting my games confused? Didn't Neon say this MC had/has issues with his mother? If the issue was that his mother was, say, a narcissist that feigned love and affection for him only for him to, in the end, find out she was simply after something, then it's possible that Nikki's confession and request for help with her financial situation kind of triggers something in the MC; even if Nikki isn't actually a narcissist and doesn't have the same motives as his mother did, he reflexively perceives it in that light because he was conditioned into looking for it. The player of course gets to choose what exactly that reaction is: either disappointment and acceptance and possibly rationalization (affection route), redirecting and mirroring behavior (corruption route), or defiance and rage (taboo patch route); but the trigger would remain the same. And with the new plans for MC to be able to have a non-sexual relationship with her, avoidance (neutral/friend excummunication route)
Also, I'm really high right now so I have no clue if I'm making sense.. sorry about that