You are hugely exaggerating the problems Montezuma is having here. -85 gold per turn at 95% research, with 17000 in the bank. Even if he doesn't reduce research, his reserve will last him 200 turns, which is kind of a lot (what speed are you playing on?).
In my scenario the AI gets 20000 gold on ethernal speed so they secure from getting bankrupt to early, read my scenario text... link in my signature. Montezuma is down already to 17000 gold after it was balanced pretty well, meens if the AI start with 0 gold they will be bankruft very fast as crime works now. Even if the AI changes at this point to +100% gold it will still lose -82 gold.
