The problem is that the debt is deliberate.
Either you pay your rent, but can't buy anything and miss events.
Or you buy clothes but can't pay your rent anymore.
To make matters worse, you give away actions because there's no other content for them right now.
So MC can only 2x weekly phone calls, but 1x is actually already for the sideline and the second call ends up very quickly in a dead end, because there is too little content for the Entscprechenden branches.
Just like real life.
Living in freaking Hollywood is expensive. And in reality someone would charge probably more for that room with no windows.
But i think it's great that you have to make choices.
You wanna look like bimbo, you can't pay the rent. Therefore you pay with sex.
The phone thing. Well, yes and no.
I think it makes sense to limit the calls. It would probably need more renders to make it interesting with different outcomes.
For the girl friend, not sure. She isn't really her girlfriend but it can see that it would open more possibilities.
Though i have to play the update to be sure.
Haven't touched the game in a while.
As for me, i am waiting for some hobo action.