NH tends to be "softer" in general, and I do regret some choices too, including that one a bit, but I think it would have been a lot harder to maintain to go back to all those little choices and put toggles on them. Especially with all the complaints around everything that was "wrong" back around NH's debut (with people arguing a lot about how wrong it was).
There has been a lot of QoL added to updates, which makes me think they did hear some of the most common annoyances people had, but if you weren't there around the first months, you can't imagine the level of drama going on.
Including stuff that were only problems because of people making up their own rules and getting upset when it was not streamlined enough.
I don't hear a lot about that anymore, but there was a lot of people trying for a better online player economy (...yeah, not sure why). Their problem was the most common currency, bells, was too easy to cheese/get through cheating. So they turned to another "currency", the Nook Miles Ticket. Since you get it from miles, and miles are rewarded for actually imteracting with the game a lot, it felt more "valuable" to them (hell, they put proof of work into freaking Animal Crossing).
Since normally tickets have only one purpose on-game and that's visiting a singular mystery island, the miles redeeming machine only gives one ticket at a time with a fairly long interaction. For normal use, it's completely fine. But of course people wanting to use them as money complained s lot about how long it is to spit out a hundred "NMTs".
That's the one, the thing that let you go to random deserted islands, usually for materials. It was just never meant to be printed en masse and hoarded like capital.
I think the idea of needing an economy between players in AC is a bit ridiculous too anyway. My only "trades" with other players, of you could call them that, were stuff like "you can go pick some of my extra blue roses, and please get me that cool red godzilla variant from your town".