You're a dweeb that within like 2 weeks of ingame time manages to nail the girl next door, the sexy red head at the gas station, got some dome from your mom and fingerblasted your sister. That's all fine, that is an entirely realistic premise, obviously.
But being so in debt that you're basically owned is not? Earlier in life I was in such deep debt that my choices were super duper limited. I managed to get out (without prostituting myself, yay) but it really did feel like I was their plaything, nothing I can fight against. And this is a Western nation I'm in. The police do their best and aren't corrupt but it's quite clear they wouldn't be able to protect me if someone truly wanted me dead.
Another one, almost all the girls you meet are hot and (if not playing NTR) will eventually be your fucktoy, while your character isn't written as bringing anything of much value to the table.
I'm not actually hung like a horse with no care in the world, going around fucking 18 year old girls even if they are related to me. It's suspension of disbelief that carries me through games. SoaB is probably one of the least unrealistic life simulator games, and even there you fuck your sister, mom, aunt, best friends mom, best friends sister and half-sister plus a bunch of other women including 2x mother and daughter (not a super likely threesome) and 2 sisters (also not a super likely threesome).
While I agree that some devs make some choices that are weird, I'm pretty sure that in erotic games the agreement is that they give us material to fap to and we suspend our disbelief to enjoy their creation.