Game: Animal Crossing
What Makes Him Bad: This guy charges you for every move you make. Without your permission.
What Makes Him Cool: You still pay him, because you have to. And he doesn't ever say sorry for breaking into your house.

Tom Nook is content to rob you blind under the pretense of upgrading your living situation and giving you more room to play around with. In reality he's a cheat who wants nothing more than to keep you in debt so that you're chained to him and his stupid store for the rest of your life. Unless you want to hear Resetti ramble on all day and night. And no one wants to submit themselves to that.