You are right. You know, that's the reason I was never interested in the whole golddigger/inheritance plot. It doesn't matter. It's a simple binary choice. Do you want the money? or Do you want the girls?But CAN you have Lily or Debbie if you choose the money? I believe you will lose either/both of them because they are part of Katie's circle. You would have to avoid contact with Katie which would be next to impossible if you are seeing either of them.
If you want the money you gotta sell the houses and move away. Because any contact with the girls means money is gone. So Katie sending your girl Debbie a holiday card and you get it instead? Money is gone. (on the off chance you got caught). Sure you may as player want to research who the inheritors are and sabotage their plans, but this is not that game considering MCs actions. So whole inheritance and golddigger part is wait and see the lawyer.
And if you don't care for the money, things are more simple. You get the girl you want and let other inheritors deal with that asshole fathers bullshit. (that said, personally I believe "i choose you over millions" is a death sentence for a natural relationship)