I understand that it might be a problem for young people. 20$ was like my monthly pocket money back when I was 12. Also, parents often times don't really seem to understand the need of certain online purchases. I imagine my parents would have been like: 'Why do you even need that online service? You shouldn't meet people online anyway, that's dangerous!'
But you aren't even that young anymore. At 21, most people live by themselves already and earn their own money. I moved out at 18, started working at the same time to afford university and my costs of living. And even I don't mind paying the online fee. Of course there are always circumstances that make it impossible for some people to even afford these 20$ - but then they wouldn't be able to buy a Switch + ACNH anyway. Nintendo is a profit-based company and they have to adjust their prices to market level. I think the price is perfectly reasonable for what we're getting (and, as previously mentioned, a lot cheaper than other companies), especially with all of these retro games.
But you aren't even that young anymore. At 21, most people live by themselves already and earn their own money. I moved out at 18, started working at the same time to afford university and my costs of living. And even I don't mind paying the online fee. Of course there are always circumstances that make it impossible for some people to even afford these 20$ - but then they wouldn't be able to buy a Switch + ACNH anyway. Nintendo is a profit-based company and they have to adjust their prices to market level. I think the price is perfectly reasonable for what we're getting (and, as previously mentioned, a lot cheaper than other companies), especially with all of these retro games.