I play a lot different leaders, usually at Prince or Monarch, just for fun. In BTS, it now seems like the philosophical trait is actually stronger than financial. This may be because of the increased importance of Great People points. I know that in games where I generate more GPs I advance quicker and can expand farther without having to worry too much about my economy crashing. There is generally more emphasis on food and production than gold. Since financial only seems to worry about gold it just isn't as strong as it used to be. Maybe they should have it give half cost on banks again?