If you start playing in 1.25, maybe you're not already enough experienced
I've been playing since art of war and have nearly 5k hours
in 1.30, the debt are coming by itself, and the IA self destruct. It was not the case in 1.26, I agree.
However, in 1.26, you can force bankruptcy with the new peace deal option.
You just proved my point. in 1.26 you could target ai and make them bankrupt, people aren't complaining about that though. that is a targeted decision by a player to weaken a certain ai, and even then some of them still manage to survive. in my last game, I was Nepal and was taking full cash about every 5 years from ming for about 40 years by attaching his tributaries and he still didn't bankrupt, nor did the ottomans in my persia run despite me and most of eastern Europe dabbing on him constantly after 1550.
What people are complaining about is multiple ai majors going into massive debt and some of them never recovering without human intervention. EVERY SINGLE GAME; this only happened after 1.30.
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