As for the cop:
1 and 2. The this is a porn game doesn't work, because even in porn games they use the realism approach in every things that isn't relationships with the girls. There is no way that anyone will even pay attention to a guy saying he is a "cop" and asking for our id, in civilian clothes, with his civilian car, showing no badge, being in my property and doing illegal things. If some cop did this I will go call the real cops and denunce him, nt saying yes to everything he say, it's dumb and kills the inmersion. If a "cop" do this in real life, you will say no to him and if he insist call the police, because you are doing nothing wrong.
So it's not a "he is kind of a bad guy I don't want to deal with", but a case of "There is no way this is even real, this guy is dumb as fuck and the MC agreeing to all he says is even dumber", I could literally feel how I got dumber reading that retard scene, because there's no way that will work in even a shitty movie or a bad fanfic, people can be reaterded but the MC, a succesfull guy, have the most retarded guy trophy, after the "cop" that's it. If the cop was on duty and in the middle of a road or if the MC did anything illegal I could understand him asking for the id and the MC agreeing, otherwise it's called bad writing. And no the it's only the beggining let's see how this develop doesn't work, because it is already a bad point with an unbelievable start that kills inmersion and now we will be forced to deal with this dumb plot because reasons, instead of the MC saying No to him in that scene and calling the real cops to deal with that lunatic guy who is harrasing you and demanding things while off duty and in my property, seems legit.
So yeah the cop thing, doesn't stretch believability a bit, it just simply broke the believability by the absurd of the situation, and the worst thing is that the devs doesn't even want to listen to the complaint about a bad introduced plot, that breaks the inmersion and the believability of it, that is already stretched by the others thing in the game. And you defense keeps being, "just wait to see where this bad and dumb plot goes before complainint, it's only v 0.2". If you got a fire you put it out, you don't stand there saying "well let's see where this goes", even the people in their discord and patreons complained about it and in that place there are many people that only say yes to everything that devs do and that defend everything even if they are wrong, like you do, so if even them complained about the bad character, why they keep him in? the only answer would be that he is an important piece to the game, but you have also said that he isn't so, why is a bad plot and poorly writen character there?