What Are the Utilities?

This goes a long way to explain a lot. It's a good thing money in the game is so easy to come by. Some of my families have numerous completed collections as well as hundreds of veggies, fruits and flowers stockpiles for cooking and crafting supplies. I never made the connection to that and their bills because their houses are so expensive in the first place. Definitely best to save serious collecting for families who are already wealthy. Since I like setting up big display rooms in the basements to visibly track my collections, it's better for families who can afford to do so. One thing I will say, I like the utility shut-off system better than the old way, which involved a repo man coming to your house and taking random stuff equal to the value of your bills, then having to figure out everything they took and replace it.