There's a trait you can pick that exactly explains my problems.with the game. The trait is 'Dream Home'. It is described as

'You own a luxurious, customizable house on a peaceful planet! Unfortunately it comes with a 125,000 credit mortgage with GalBank that has to be paid weekly.'...

I thought this was a cool way of adding increased difficulty for myself. I tend not to play at the hardest setting because I don't have much time to play. But having to plan ahead and work around this limitation sounded like it would add an interesting wrinkle to the strategy I'd have in the game.

However, when you start the game you discover that the loan has to be paid off in full... And you have unlimited time to pay it off. The only way to be foreclosed upon is if you actively go tell the bank to foreclose on you. It's like they had the idea, but couldn't be bothered to implement it.

What's worse is 120k is nothing in the game. You can easily get there within a few hours of play. This is just one example, but it speaks to the game's complete unwillingness to give the player anything negative or push them any way from their 'freedom'. The sheer fact you are not locked out of any faction or faction mission is another example. There are 0 stakes in the game and you feel 0 connection to the people you meet or places you visit. Not helped by Sarah potentially being one of the most annoying judgemental characters in any Bethesda game I've ever encountered.

Update: I eventually visited this 'Dream House'. It kinda sucked. The planet it is on is kinda ugly. There is more to this mechanic than I originally thought, however. When you visit you can pay 500 credits for 1 week of access as a 'payment' towards the principal. Still very deceptive of the original description.