Thank you for the praise and criticism!
I personally don't think hoeing the whole map at the start is a problem, you don't have enough seeds to plant everything anyway and it's heavily discouraged by the long cooldown.
Overall the hoe isn't extremely useful in this game anyway, it can be used to create fun patterns and may be necessary in the end-game to plant more high-value seeds but that's about it.
I agree with the rest of the criticism though, the wall of text is something I hate too but didn't really find another last minute solution unfortunately. The hoe thing is also something I'll keep in mind.
I wondered if the money system could even be assimilated to health, so I didn't consider it as a Wild Card in my submission. Happy to hear you interpreted it this way!