this guy understands.
Practically everyone in this thread either doesn't know how to spend money to push the game to its limit or needs to raise their difficulty level.
You can almost always convert money into more expansion fronts, points, trucebreak efficiency, parallel war efficiency, AE reduction. Just because you don't see the faucets doesn't mean they don't exist.
In fact, too much money is more a problem suited towards tallish play. There is just simply not enough to do once you have secured your stable position.
too much money, too much manpower, too many mercenaries
Nerfing stuff like manufactories and trade companies won't really affect your third category, but it will affect large nations.Nerfs in general game mechanics (not nation-specific nerfs) is going to absolutely destroy nations in #3 making them unplayable short of exploits, while doing nothing to nations in #1 and 2.
CK2 also suffers from money overload.I personally like to have a treasury full of gold. But the best way to handle this I think is similar to what CK II does. There are plenty of random events which require you spend money to avoid serious penalty or something and standing armies in the game (retinues) are VERY expensive to maintain when they get very large. EU IV could increase the number of random events which require you spend gold to prevent something and increase the maintenance of army's I suppose.
That is called hiring mercenaries and only devalues other aspects of the game when you can simply throw money at them.You can dump the resource into another at a huge loss. Id spend 10k ducts in 1700s for 2000 manpower any day
CK2 also suffers from money overload.
In my current game I haven’t actually upgraded any economic buildings and I’m maintaining a 30k retinue cap while owning only Iberia and Jerusalem. My treasury is 50k.Later on after you have fully upgraded your demesne and/or have a lot of mayor vassals. If you play as a merchant republic you can also make a long of Gold. As the Roman Empire, I could not keep a large treasury until I had fully upgraded economic buildings. And I always had a very expensive retinue to maintain.
In my current game I haven’t actually upgraded any economic buildings and I’m maintaining a 30k retinue cap while owning only Iberia and Jerusalem. My treasury is 50k.
There is already mechanism for increasing your war expenses by ~4-10x.
The fact that most players don't even consider taking it because they don't like the AI being given 'artificial bonuses' as if that is some mortal sin is telling enough. Claim challenge then doesn't take challenge when offered.
I disagree entirely with your premise that making money is particularly 'easy'. These are fundamentally playstyle issues, the money critique has been one that always exists. If you spend the entire game making short term sacrifices to snowball your economy then of course you will have no money issue in 150-200years. Just like someone who overexpands in an RTS will soon have too much income that they cannot spend.
In addition, you can remove manufactories from the game entirely and there would still be the issues of exponential money growth. You want to start attacking the issue? Unleash the AI to start going OVER force limit once they have enough cash in the bank. Also giving them arbitrary -alliance chances towards the player will help.
Exert enough existential pressure on the player and money issues will correct themselves.
The root of the problem is, perhaps, the fact that EU4 misrepresents standing armies so badly, in that everybody has them from the start. If standing armies were a thing that only develops during the game and that are actually really hard to afford, they would be a perfect money sink. However, such a fundamental change - which would probably require the introduction of feudal levies - is unlikely to be introduced at this stage of development of EU4.
The problem that there is so much money in the game that the economical side of the game becomes almost irrelevant after a certain point remains though. Which is bad, because it makes all strategic choices related to economics (the trade idea group, religions - like the newly introduced anglicanism - which grant mostly economic benefits...) underpowered.
Yes, there is too much money.
No, economic investments as an investment only stall the problem.
What this game really needs is a better simulation of the cost of war. Currently, a player only takes loans when fighting a very difficult war or when going for something like a world conquest. In reality, even rich nations took loans frequently and even occasionally bankrupted due to the cost of maintaining their armies.
One thing to help solve this problem would be increased army maintenance depending on its distance from the capital/nearest border/nearest fort. This would also improve the "total war" behaviour that nations exhibit in the game, i.e. that they never send only a small army to fight in a war which results in things like tens of thousands of Ottoman troops fighting in France in the 15th century.
I'm currently working on a suggestion that incorporates standing armies in a non-radical and realistic way. If people are interested I can post the link here when I'm done.
100+What is your income? in my current game I have almost 100K retinue cap. Maybe it is because I am not playing with defensive pacts on. When I had them on, I indeed could get over 50K in my treasury. But with them off, I can barely keep 10K and I have a monthly income of 90+.