Well he IS a 'clueless dumb-ass', or at least he is around his daughters, where he acts like a bumbling fool.
Regardless, I like where this game has gone so far, and will keep playing. The suspension-of-disbelief level hasn't risen to an intolerable amount for me. I can live with the MC's messed-up financial situation. Even intelligent people often make poor life decisions, even where personal finance is concerned.
We need to consider that the MC is a single parent who dotes on his daughters. It seems that he will do whatever it takes to make them happy and maintain their lifestyle, even though his decisions are often counterproductive. Just keep that in mind while you play the game, if you decide to do so.
Considering all that, I would greatly prefer that the developer push onward with what he has, rather than spend more time reworking the intro.