I think your issue is that you're not discerning between gameplay and narrative. Money is in general just a way for you to get stuff so you don't acquire it right away. The story implies that Anon is rather poor so you have to imagine that same thing, even if gameplay-wise he has more income. And the game does have differences in particular moments: there is at least one that I remember where Landlord rises the rent because he finds out about bot living there, so if you have less than the new amount he'll say something like "Shit, I don't have that much money!" but if you have more he says "I've got some cash on me, it's not so bad". Making dialogues and other differences for more particular scenarios takes more work and (because of that) is usually unnecessary, most people are fine with a simple recognition like this one
Think about how in the God of War series, the greek Kratos can shred through sturdy materials including literal divine armour and jump crazy heights but if there's a batch of rocks or a wooden door little guy needs to take another way or pull a lever, or in rpgs your character says "That's too expensive! But looks nice. Should I buy it?" even though he has septillion coins and the item in question is a common object to you because you grinded the heck out of the game before that moment. Those things you simply don't dispute about them
Basically, don't think too much about it. IC might add more of these small details later but it's most likely not priority. If the author said the curtains were blue, he really meant it