What is the point of discussing broken English with someone who barely writes in English themselves? And who cannot coherently explain why he is so much pissed with the game.Why is taking a loan such a weird concept to you? MC is an adult and wanted to support his hobby and needed money for it and decided to not bother his mom he had not seen for years and instead decided to provide for himself.
Nothing wrong with it and is a common practice in todays age.
Besides the real story doesn't start until later. You got worked up about an introduction.
As for the language first few updates is written by Moochie in russian then translated to english but later on she got a team that does the writing for her as she only does renders.
Neither MC nor the dad is the one who asks for the photos of the girls that gets him in trouble. It is Mr.Roberts who said that is one of the requirements if he is to sell the camera cheap to MC.
We don't know MC is a pervert until way later.
As for me, English in this game was totally OK, unlike some other games where it is completely cringey.