doesn't have a villain to cause conflict in the cozy and relaxing island getaway, but over the years many players have taken to vilifying the business-minded property manager, Tom Nook.
While it is true that this Tanuki, Tom Nook, is more focused on the in-game currency of bells than any other character in the game, that doesn't necessarily make him evil.
In fact, his seemingly exorbitant fees are handled in a pretty kind and gracious manner. Reddit user ItzBluigiCLips recently shared a meme that humorously points out that Tom Nook is essentially the opposite of an evil villain. His loans have no interest, and he never bothers the player about needing to pay back a loan, he simply requests that a loan is paid off before further work is done.
Not to mention the fact that Tom Nook has magical construction abilities that let him build a whole house or expansion overnight, even while the player's character is presumably sleeping inside it.
In a way, he is much nicer than some of the passive-aggressive villagers that can move in, and especially the ones from previous games who could be downright cruel in some of their dialogue.