The main problem is trust. Firaxis has been burned in the past by play-testers breaking their NDA.
You can decrease the risk by getting other playtesters to vouch for you. Either become friends with Civ playtesters, or get your name in the credits of another game as a playtester.
Or increase...
Yes, RA is useless in a duel map.
But with 3+ players, someone is going to fall behind in tech every time an RA is signed. You want to be the one getting ahead.
Hammers vs Gold:
http://forums.civfanatics.com/showthread.php?t=393892
Gold vs Time:
I found the 1% turnly interest rate (45 lump sum for 2gpt*30) friendly AIs charged pre-BNW to be quite fair. The new 0% rate is a total steal, and you should borrow at every opportunity.
Value of Food:
Food...
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