You need 999,999,999 Bells to get the post office model?! Is this even possible without somehow cheating? That's a billion Bells! Has anyone gotten this? I work hard harvesting lots of fruit and catching fish, and make about 100,000 Bells a day. That's not too shabby, or so I thought. But then I did the math. It will take me 10,000 days at this rate, or about 27 years!
I didn't want to cheat... After all, the only real benefit of getting the post office model is satisfaction. You get nothing else. And cheating cheapens the satisfaction for me, somehow. But a playing Animal Crossing for at least an hour every day for 27 years to earn the money legitimately isn't something I want to do, either. It's like they set it up so you have to cheat to get this model. Are they wanting to reward resourcefulness, maybe?
Animal Crossing is great about that. Because you don't actually have to get it, because it serves no purpose other then to look awesome. So if you cheat to get it, the satisfaction will not be there.
The best part is that there is an ultimate goal to it. Say you got it tomorrow, just by doing your hard working routine. Then what? The 999m bells is that hardest achievement, so it's worth the effort to get.
Stalk market is Sundays until I think 10 AM. From maybe 6. Random acres, and she switches around after you talk to her and leave the acre.
Maybe it was just that they wanted to give a high Bell limit, for those people who hoard items and money when playing games (we know who we are). I have wished many a time for a higher money limit in a game. Even if you can never spend all of it, at least you feel you are getting something, monetarily. So they put a high Bell limit, but they had to have some reward for maxed-out Bells.