There are those people who do play Animal Crossing for hours on end, grinding by catching fish and bugs continually and at some point you're going to finish upgrading your house and even with the public works, eventually you're going to get all those built, so what's left to do with all the bells? Buy expensive crap you don't need because you can.
In previous games, at least for me, it didn't take too long to pay the house off and have tons of money sitting around and basically be able to buy all the furniture in town so the public works at least stretch that out longer but I'm sure at some point there's going to be that player who has the biggest house, built everything they could in town and still saved enough to buy that crown.
Just like there's always that person who tops online leaderboards with an insanely high score because that's all they do (or they hacked it).
Personally I'd rather get all the Nintendo themed cosplay outfits. Though I am working on a pirate outfit. Got a coat but need a hat and eye patch. Gotta wait for that stoner, Pascal I guess.
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