If I wanted historical accuracy, I'd be playing Hearts of Iron with the Black Ice mod or some other Paradox title
All the other civic lines have viable alternative choices (ie, Corporate Farming vs Privatized, for example, is balanced by the fact that whilst Corporate Farming has higher yields via the Mega Farm, it produces an enormous amount of pollution and sickness that Privated doesn't, even if both are superior to Guild Farming) to give them some strategic depth towards the choice, which is good for gameplay, but I honestly can't think of any possible situation in the game that would have anyone pick an objectively inferior civic to one that is seemingly outright superior in every regard.
Not just that, but is it even historical to have Paper Money as its own civic? Its role in game serves as a stop gap between Bank Notes and FIAT currency/Gold Standard, which makes Paper Money seem rather...redundant, as what is Paper Money if not either a bank note or part of the FIAT system or the gold standard? Why - thanks to being redundant both historically and from a gameplay design perspective - can it not be axed in two, with its unique building folded into FIAT Money to make it more competitive vs the other two. The civic slot could then be replaced with, say, the
Silver Standard, which would serve as a hybrid between the Gold Standard and FIAT Money from a gameplay perspective and was, historically, quite a big deal for centuries: the United States and Imperial Germany both used a silver standard until the second half of the nineteenth century, China used it for thousands of years and most famously of all, the Great British Pound
Sterling, which was formally backed by
sterling silver until 1821.
Thus, removing Paper Money as a civic - and just, say, folding the essence of it into the other two or maybe putting it as a technology of its own linked from Economics from which paper money mills are acquired, plus some trade bonus or something - not only fixes a gameplay issue, it adds to the historical value of the mod itself.