AdamCrock
Polish Pirate
I agree with this, unless you happen to be running a FIN civ.
Yeah but FIN gives +1
and according to some WS is still not worth it because it works only with

The problem with banks are that they come really late.
For me "late" is lake never
It might be another unpopular opinion but I never thought of something is bad because it's late. Missile Cruisers for example are awesome - best unit in the game imho ! Space Elevator ? Why not ! missiles ? I love 'em ! Navy SEALs allright ! It might be just me though and my playing style because Im not aiming for a quickest possible win. My gaming "philosophy" is to try get the maximum enjoyment of it. Im also focused on building greatest, most prosperous civilization possible, with lots of great, powerfull cities and happy citizens and I try to be a good leader instead on focusing only on the winning conditions
In some games Im like : what I won culture ? Already ? I was not planning it ! lol ! xDAlso someone argued that building a bank is not worth it because of the turns lost. That's not true in my opinion because some of my really powerful cities could sometimes build a bank in like 3-4 turns and building wealth is not so ideal for me because it converts only 50%
to
and another 50%
goes to waste. I also do not like pangea maps because the limit the possibilites given to a player - he cannot have fun with navy for example and navy is so much fun for me ^^ 
Also let's compare it to buildin a unit - You spent 3-4 turns building a unit and it died like on 80% chance win odds and didn't did practically nothing , isn't that just a waste of
? xD

Apart from that corporation without a bank and wall-street ? > Never ! xD

I don't emphasize on having a holy city with a shrine , somebody else said that it is neccesary to build WS in shrined holy city - I prefer bureaucracy and playing with sliders
Also I did not said I'd like to build every wonder there is
boost early on 