Yes, because if you have enough money to buy a new television, you have enough money to buy a house. No wonder you know so much about story telling, it's because you live in a fantasy world.
No, because it's a dumb premise. How are they doing this? Hunter succeeds because he LIVES in the house. A shadowy organization has no way to enter unseen, so all of their ploys are "just for the story" and thus a non-issue. There's different ways to advance the plot and "a wizard did it" is a bad way since that's just advancing the plot to advance the plot. Hunter also advances the plot, but that's a reaction to his actual present threat. We can guess and try to anticipate what he does, but an unknown organization with unknown motives, there's nothing we can do against that, so all agency is taken out of our hands. It's obvious you play with the NTR switch off since your suggestion offers no choice. With Hunter, the player is forced to make a choice and based on that choice we either have the good ending or the bad one. With a shadow organization, there's no choice, because what will happen if we make the wrong choice? A bunch of men will suddenly burst in the house and fuck everyone? That will obviously never happen, so there's no choice. And if there's no choice, there's no agency.