But that's not the only way to play the game. Sure, you can roleplay as essentially a Satyr if you want, where you manipulate and lie to every woman you come across to get sex, basically a psychopath and a better looking version of your father. And if you do all that, you probably don't care about being manipulated, since you do the same on a daily basis.
But a lot of folks have playthroughs in which they are in an exclusive relationship with either Bella or Jo. So, if they discover that not only were they playing them from the start, but they were probably also cheating on them with each other, this would obviously sour their opinion about both the characters.
Also, Bella does try to jeopardize the MC's share, Elaine didn't send the email from Monica, she did or had Jolina send one, same thing. Sure it's still on the MC if he wants to stay or take the money and run. But it's the difference between cutting contact with someone whom you haven't met in 8 years vs someone who offered you shelter. Bella knew it'd be harder for the MC to leave if he was living with Monica, so she stacked the deck in her favor with additional emotional baggage. Another one of her manipulations.
As for screwing over Elaine, you should still care since Elaine was one of the few people who was always in your corner. And yeah, the house is probably worth even more than the money she gives you, but it's not about the money, it's about Bella ruining your relation with her. And even if you don't personally give af about Elaine, it still speaks to Bella's character, that she is ready to screw over her own sister, who was always nice to her, for money and the inferiority complex she got against Elaine.