Here's an idea to tackle both the "have too much money in late-game" and "not enough focus on peace-time" problems.
1) Revamp the prestige system so that the bonuses depend on your prestige rank among other nations in your religious group (or alternatively, scale the bonuses such that the most-prestigious nation gets the current 100% bonus, and every other nation gets the bonus divided by their prestige relative to the 1st placed nation)
2) Remove the upper and lower bounds so you can go over 100 or under -100.
3) Allow the option to pay money & monarch points to boost prestige (representing investing in the arts, etc.), Specifically, it should require both, as increasing prestige should take not only gold, but your ruler's attention as well.
1) Revamp the prestige system so that the bonuses depend on your prestige rank among other nations in your religious group (or alternatively, scale the bonuses such that the most-prestigious nation gets the current 100% bonus, and every other nation gets the bonus divided by their prestige relative to the 1st placed nation)
2) Remove the upper and lower bounds so you can go over 100 or under -100.
3) Allow the option to pay money & monarch points to boost prestige (representing investing in the arts, etc.), Specifically, it should require both, as increasing prestige should take not only gold, but your ruler's attention as well.
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