Original take on the theme, but I feel it needs some polish. Like there could be some more indication, when you're about to fail on your bills. Maybe it could be slower too? Or maybe I just suck at it :)
As I mentioned- I like the idea! And I really like the randomly generated popups on the phone. Hideki Kamiya showed mild disinterest in video games in my playthrough, so that's not something you see every day :)