I'm with you on this! I understand people saying it's a family game and you should work together, but not everyone wants to play it that way and that's fine?? Some people want to play alone and be able to plan everything out and I mean, in NL and WW (I don't know a thing about CF) you only have to buy an extra cartridge to have another town, not a whole separate system. I know someone who had 8 towns because of this! I have 4 and my brother has 1. And honestly? Because of this decision I wasn't even going to buy NH period until my brother could get his own switch so we would never ever have to share, but then a good friend bought it for me and I couldn't exactly tell him to return it.
Here's my experience: the island doesn't have an infinite amount of space and I'm having to share with two people. We don't argue and I love that my dad and brother both enjoy the game, but it's just very frustrating to me that I can't do everything I wanna do because their player houses take up space and it's not up to me where they go. I wanted to have an extra character of my own, maybe even 2, but there is no way I can squeeze 4-5 player houses on here at once. I want my house to be moved where my brother's is, and obviously I can't do that. I want to get rid of Teddy (not because I don't like him! I just want a different jock in his place at this point), but he's my brother's favorite so I can't. I have to compromise on things that I wanna do and we can't afford another switch right now--if the price was only $300 for a non-lite as usual we could, but with the pandemic right now all the stores are sold out and they're in such high demand that people are charging ridiculous prices. So I have to wait it out and hold off on all sorts of things until further notice.
Sorry for the rant but basically, I completely get you on this lol and if getting another switch is out of the question for you too I wish you the best of luck!