Maybe there will be actions that don't advance the time of day, so you could then perform other actions with it. As for your other questions:
- The 50k was for what MC did up to that point in the story. I don't plan on having money as a game mechanic, so that was only a narrative point.
- The girls will wear panties again after a week, but I'll eventually make it so that if their corruption is high enough, they can be permanently without them.
- And what deflowering are you referring to? Emiko? If so, her event is already in the current game version (0.07.3a).