I agree that too much gold is generated atm. I also like a bit harsher instability.
Some thoughts: if too much money is around it should cause to extreme inflation.
Like in reality: if money is printed in abundance, after a while it's nothing worth and people become unhappy (see FED).
Translated to civish:
A large gold surplus per turn (formula: at least a decent 15% of total GNP/turn) could lead to a surplus of unhappy people/city/turn.
As it is allready: the more unhappy people in cities = the more instability in empire.
The concept of the gambling hall is a good one, I think: it gives some money (+3
) and also one
face. So more cash buildings like banks and markets should give
...
Like directing the player to keep an eye on cities (so they dont grow too large and become unhappy), he could be driven to watch his income level, too - as more economic growth that doesn't fit the spending will cause extreme inflation. So, instead of building every gold building, some other improvements might be wiser to build.
That way we also can prevent getting so large fund that buying large loads stuff while having a civic like coinage cant be exploited anymore (like buying all new buildings a tech grants everywhere, just after having researched - or buying a large defense army in a few turns)
Having a large gold reserve would now be a luxury that comes with a certain price: unhappiness and inflation/turn.
The question in my mind is if AI can possibly evaluate that having too much gold is counter-productive, or not needed, at least in the long term...
It would even grant a new strategy to exploit AI: You might gift gold to enemies, to make them more unstable. AI could be prevented from doing that by having a certain
cut for "donations" (like 1000 gold max/turn) Max/turn because the spender then had to keep more gold over some turns, to "donate" it and that may make his people more unstable at the same time too. So keeping it for donating 1000/for 10 turns would be a risk too...
Edit: The inflation process should be reformed not maintenance, I think!
More dynamic inflation instead of the linear one that also badly sabotages modern starts btw!!!
I want to play the future area on deity but its just not possible, cause as soon as inflation strikes avery few turns it can't be met by any growth...