Actually yeah, isn't the House technically the bank's right now until they pay it off?
Also like, again, the game has economic problems for the main character because that's a common trope within the genre, this game is analysing the genre of the House Game as a whole, it had to have the family being in financial strains due to the loss of the Pater Familias, with the Male Lead AND the Rival trying to supplant this role of economic provider in their own way, it's the same reason why Tiff needs money for her mother's cancer and the only way for her to get it is by getting them from either us or Hunter in the bad ending.
This is an analysis of the fundamental "patriarchal" nature of these sort of games, of course the MC cannot not have money problems at first that's the common trope which is a mirror to the reality most people who live in the US, IE housing and economic problems are a grim reality these sort of game work as an escape from by creating an easy and titillating way to escape from, in most cases by turning women the MC has power over into some degree of sex worker, which BTW makes the first Family hunter corrupted in one of the Nordic Democracies all the more interesting given the state of the Welfare state up there.
This to say Porn is a Mirror of the Society it's made in, and doubly so Porn as Archetypal as an House Game, the protagonist has to have money problems for the same reason why we had a surge in Landlord Porn when the American housing market crashed, Reality is Mirrored for the Enjoyment of the Masses.