I have no real solutions but I agree that the economic system in Civ needs to be improved to better reflect realistic economy. What needs to be better implemented is two things: * In free-market-states, the government really has limited control of the economy, which means the economy may crash regardless of the politics. A better way to simulate human greed, banking and the stock-market is needed. * The modern economy is global. If US economy collapses, it will have huge consequences for rest of the world. There needs to be a better simulation of the global trade, where countries both compete and are dependant on each other. For example, Civ needs to have an engine advanced enough to simulate the economic "trade war" between USA and China. The economy also needs to be better linked to resources. Would a country where most of the population is unemployed consume the same amount of gems, for example? Some better way to simulate realistic supply/demand is needed!