Now, I have my opinions on RSE, and I'll leave them at the door, but can you honestly say it's a good thing for a game, any game, that focuses so much on water routes to have so laughable pokémon selection in those routes. Oh hey, use repels! How fucking boring is that, having to retort to repels because all you fucking see is Tentacool
Now, if they decided to put some interesting pokémon in the water (ruling out Dive here) for once (Hoenn would be great for this, seeing it has a lot of it), surfing could get less tedious. Hoenn has potential, it would be a shame to it get wasted.
That said, I can't really see how you can get in financial problems in pokémon unless you somehow catch every pokémon you find and use only potions or something.