Hello there,
1. The money system is not really a "big part" of the game, this is because there have been instances where it was harder and users didn't like it, or where it was too fast with the passive income, so this is kind of the middle ground the game reached. More things will be added to spend money on and with the new gifting system for players to get the best quality pics it'll be something else the money will be used for.
2. This is really unlikely, to not say it won't be done. There will be other secret npc around the map, but this are 1 of instances for the use of traits and such.
3. The game is to far into development as to add a time system. This is something that might be considered for future side projects.
4. 1.9/2.0, one will be focused on pregnancy, and the other will have endings reworked. The current ones are just place holders.
5. Holidays are planned to be expanded. And yes, at the moment is weird that if spending New Years with Anna there's not much and spending it with the girls it ends in Anna.
6. While most of the content is shared content, a balance for the routes and Anna's main route are in mind. No true balance will be possible but there is work in progress and planned for balance them better.
7. This won't be done, as it would require a massive amount of work for previous and future cgs. As an example, a single 3 parts customization can reach 27 combinations.
On the personal request, this is mostly seeing in the love route, but yes, is something players might see more of in the future.