By money, I mean in game money. There's no real money transactions in Animal Crossing (since I know some people like to spend money to cheat in their games). But in Animal Crossing it literally takes a long time to do anything. To move someone's house, you need to wait until the next day for the "construction" period. So essentially you get up to 10 villagers. At the beginning of the game, you really don't have a vision for your island, or at least I don't. So I just place them where I think they'll be good. Spoiler alert, they were not in good places. So it costs 50,000 bells (their currency) to move a home, and then you have to wait until the next day's cycle to have them move. I have 5 villagers I want to move, and I just did the first one tonight.
Also, to add more to that, I have to take down my park I made because that's going to be a neighborhood where the villagers live now. You have to take that down piece by piece. On top of all the villagers moving and taking down the park, I will have to remove the sidewalks that led to their previous homes, and you have to do that tile by tile. There's no quick fix. And on top of all of that, I have to move trees. I don't want to lose my fruit trees because they provide a way to earn money every 3 days. But in order to move the fruit trees without cutting them down and losing them, you need to eat a piece of fruit. That gives you the strength to dig them up and put them in your pocket. But your pockets only hold 40 items total, and by the time you had all of your tools and crafting materials, you really only have 25 spots left. So you have to keep going back and forth between places to drop things off.
It's a very tedious game, and I could "time travel" by changing the date on my Switch, but that's not how I want to play. I want to play the game pure.
How's that for a response?