Can't disagree with most of what you're saying. But a lot of those complaints are the ones that I think can be improved upon by just making the quests and general tutorial for the game more direct and clear.I think it's too difficult measured by the knowledge a new player can be expected to have at that point.
Those first 1000G are a lot more difficult when you don't know you can pick up a "free" bunny girl, or how important classes and tools are, or worse if one of your slaves escapes at this point.
5000G is a lot when you struggled before and didn't really expand, or send Daisy away for training/buy the dress or ran into a dungeon or two unprepared.
Even with a solid understanding of the game I somewhat struggled with 10k and went with major instead, this time with support of all four. But that can be a problem if you didn't start doing quests early enough or got shafted by RNG really badly on the missions you got offered.
It's also not clearly visible how many days are left until the next tax event, it says for example "day 50" but the time in game is displayed as weeks and days.
The game has a lot of mechanics and systems and requires the player to pick them up very quickly, and all they are given is an info dump in text form.
In my opinion it wouldn't hurt to soften the curve on the Loan quest, otherwise what purpose does it serve? Currently it's just a filter and knowledge check on the game's mechanics.
Hard is fine, just make the tutorials teach new players how to deal with it.
Thankya