Please someone elaborate how players save scumming to have infinite money would actually ruin the 'in-game economy'/online experience?
AC is an inherently non-competitive game with no 'meta' that can be broken by players having access to all the content in the game via infinite money.
If you are a player who doesn't want to partake in cheating the money system, you can easily not allow players to enter your town or just simply ignore the big bag of money they drop on the floor.
I appreciate the design intention of 'working it off', but by restricting cloud saves they have allowed a minority of the player base to 'force' them to make a decision that could ultimately hurt more players (losing your save) than infinite bells ever would.
It just doesn't make sense and feels like such a waste.
Supply and demand.
Like many games, there are rare and hard to obtain items in Animal Crossing. Soon enough, there are such an extremely inflated amount of those hard to obtain items out in the world through duplication that they become sold for such trivial prices, and they can't be sold for their 'true' prices anymore by anyone obtaining them legitimately.
It's not about getting infinite money to 'finish' the game by paying off debt, but more that it's fun to barter and trade with others to acquire the rarer items. I like that if I happen to find a really rare golden throne item in my shop that day, or the coveted Triforce item in my random fortune cookie another day, I can sell or trade those off to other people who want them to help me get a different rare item I'm trying to find.
Obviously there's no way to know how an item was acquired besides honesty, and it doesn't take long before people who don't duplicate are unknowingly re-selling duplicated items. The trading market becomes more of a giveaway market rather than items actually bought and sold for their true values with what you earn by playing the game.
I do want to say that I'm mostly playing devil's advocate providing the reasons why the developers might make this decision. I agree with the idea that save scumming does effect that part of the game severely and they should do what they can to reduce it, but I don't know if I agree with them that it's
more important than the security of our saves. I wish they would instead find a way to implement cloud saves just with some protections like suggested in this thread already by others, there's gotta be a compromise here somewhere.