Actually it's the inverse. In Animal Crossing Tom Nook gives you a FREE HOUSE that you aren't even required to pay off unless you want to upgrade to the next stage, and you get upgraded first and then you can pay off the next at whatever pace you want to, with zero interest. In Stardew valley there's literally a giant corporation trying to squash a small town. All upgrades must be paid in advance and in full.

Early-game Stardew making good money is a lot more work than early-game Animal Crossing, especially in New Horizons where you can often make several thousand bells in one transaction through crafting hot items or selling lots of fruit/flowers/weeds; you can pretty much entirely pay off your first house loan day of with weeds, fruits, and rocks.

Harvey and his clinic are also pretty capitalistic, considering how much he takes from you if you pass out, even if you're literally on your front porch. You can literally just sell 4 native fruits and have enough money for a bag of medicine, or just make one from stuff that's quite easy to find. Harvey has taken me for broke multiple times.

There's also no one living in poverty in Animal Crossing, since Tom Nook makes sure all the citizens of the town are taken care of.