Demon Boy Saga

A comfortable family loses its money, and while that wrecks most of them, the protagonist treats it as an opening rather than a disaster. The tone is opportunistic rather than tragic, and the game is upfront that the netorare angle is avoidable if you play it that way.

The story follows the fallout of that financial collapse, as old certainties (status, loyalty, who owes who what) start to bend once the household can't just paper over its problems with money. The protagonist works the cracks in that structure to his own advantage, at the expense of relatives and acquaintances who assumed things would stay as they were.

Played as a point-and-click sandbox, you move between the women in this now-unstable family setup, building leverage through blackmail, seduction, and whatever situational openings the collapse creates, rather than following one fixed script. Since the netorare content is flagged as avoidable, the sandbox structure doubles as a way to steer around it if that's not what you're after.