Because I don't want to settle the fur city. The risk is primarily that Roosevelt may settle a city near the fish. It will take a while before NY expands for the 3rd time so defending against NY culture is possible. I don't think the fur city is worth the expensive settler. Primarily because it has no resources and if it works the fur it cannot grow. And also because there are other city sites that are better. Yes, that seems natural. I hope you can find time to do some exploring east during these turns. No, I think we need slavery to build our remaining settlers.