Well said brother. I don't think the blood relation theories are even real tbh. It seems more so as some kind of fantasy instead of something that makes sense and is good story wise. Which there is nothing wrong with that as it's to be expected when considering the implementations in other games on this website. As you said, making her a blood relative to the MC will complicate so many different interactions with all the other characters and would be a huge mess. I'm pretty sure that DPC was just trying to make a character that mirrors the relationship the MC's father had with the MC's mother, which is awesome.
As for the financial stuff I don't think it should be a big deal. As long as the money part doesn't become the forefront importance to DPC, it shouldn't be much of a problem. If he keeps being passionate about his writing in the story and taking his time, the money will come in. I can understand if it being his main source of income could make him worry about making certain choices in the story that could affect his patron count and make him lose money though. DPC is an awesome story teller with some controversial story branches and endings (in AL's case), but that comes with being an awesome story teller with a passionate fanbase.
And why am I not in your signature

I'm a Jill army member too
Also can I just mention really quick how good the music is in AL? Most of them are the same tracks from BaDIK but they are so good.