Now if your feedback is about how this is lazy writing or whatnot, then I wouldn't have replied because most people that comment about lazy writing can't be convinced otherwise so it's just a waste of time responding to those (although it is good feedback that one/many reader is getting annoyed/distracted by the writing style).
Regarding the "you will know later" part; maybe in the end, it's just a matter of preference, or maybe it varies depending on the literary imagination of the audience. Heck, Mia kinda scares me just because Spade said that the MC isn't the one that killed their guardians and I just have this tiiiny suspicion that the Mother Superior will be best girl among the Vanderbilt ladies.
BUT, at the very least, I can say that the story has a great hook and good narrative momentum. It has some nice foreshadowings and I'm almost certain that there are red herrings mixed in there somewhere. The connections between the Vanderbilt-Elsinger shit, the clock(time?)maker-deviant magical shit and MC's past can be considered as the main plot(I think) and is certainly intriguing. With these many open storylines to expand on, project potential is skyhigh and Moolah Milk is responsive to his community.
I know that you said in your original comment that you are not insulting the dev and you are just giving feedback. I understand that and I'm also not looking for a fight here. I just wanted to say that quickly dismissing MC's actions and words as stupidity may not be the prudent approach. If the scenarios I outlined in my previous comment still doesn't convince you that MC's actions are properly thought out and well within his capabilities; If it still doesn't convince you that the dev, in that particular scenario you dubbed as "so much could go wrong"(which it isn't btw), didn't make everything to magically turn out convenient and lucky for the MC; If you are still convinced that the MC's thoughts are 100% truth then there's nothing more I can say to convince you otherwise. You will most likely chalk it up to the "you will know later doesn't convince" argument and we will just go back full circle.