@rcoutme:
I greatly appreciate the fact that you actually consider my criticisms at all! In many cases I have no idea whether my point ever gets across
Anyway, your Hartford example is quite interesting.

Certainly insurance brokers and other services businesses do not fit into my production-based model (trading fear as a commodity!

). Note, however, that I represent these accommodating businesses through the additional trade that active roads generate. Again, I am not reverting to Civs style of road = trade, for I allow roads to be lucrative only if they actually serve to facilitate trade (roads in the middle of nowhere remain roads in the middle of nowhere and do nothing else).
Before that seems just as arbitrary as Civ currently has it, allow me to say that my modification ultimately still connects every aspect of the economy to production, and rightfully so. In your Hartford example, for instance, the fact that there are so many insurance brokers that are getting wealthy without actually producing anything material is definitely true, but note that the possibility of such a situation remains dependent upon the rest of the economy. If there were few production-based firms, and therefore few products, then how many people are going to go buy the insurance for them? If people are just going to trade with their immediate neighbors and no one else, then how many people are going to buy insurance to ensure the shipment of goods? Clearly very few, and Hartfords situation stems from the demands of the rest of America for insurance. Otherwise, wouldnt you expect many Hartfords out there? Why would anyone do actual work and produce commodities if making money was as easy as selling insurance, which has no material expenses?
In addition, notice that no ancient city was ever in the situation Hartford is in. This is due to the fact that ancient civilizations did not have the scale of production to make insurance a viable business in of itself. Otherwise, there is little reason why Hartfords should not have developed long agoinsurance is abstract and immaterial, so the level of technology has no effect. The fact remains, however, that Hartfords are fairly recent phenomena, the specialized pieces of a mature and robust economy, and are conspicuously absent from poorer, developing nations of even the present day.
I do agree, however, that life insurance does not require products, and I concede that a number of other services are certainly not production-based, and instead population-based, but the significance of such sectors is minimal in the complete absence of production. I try to compensate for most such services in my active-road bonuses.
Also, I disagree with the rationalization that the game would correct such foibles due to the disadvantages of tweaking in this way. Although any flaws will likely be insignificant in the beginning, the larger scale of the economy later will reveal such shortfalls to be glaring. Maybe this example will make some sense:
A size 3 city with 2 farmers farming squares generating 3 food each (irrigated grasslands) would be able to support 1 merchant. This is reasonable.
A later size 20 city with 10 farmers farming squares generating 4 food each (irrigated grasslands with railroads?) would be able to support 10 merchants. Notice that the percentage of the population as merchants has jumped from 33% to 50%. This detail alone is fine and reasonable, but the fact that wealth is based on merchants means revenue has jumped to 10 times the original while actual production has increased only 5 times. Trade by definition is the trade of goods, and trade produces wealth only through people valuing commodities differently. Therefore, how is it possible for wealth to increase faster than the basis of wealth?
As for Wall Street and New York City, I do admit that my model would likely have trouble portraying such rich-without-production situations, unless a liberal interpretation was used

. However, I do not quite agree with your model portraying NYC to be predominantly merchants. Although the wealth-without-production effect would be could be easily portrayed in such a manner, your system allows this to happen independent of other cities. Do you think New York City could exist by itself, independent of the industries of America? I know the answer is obviousnobut unfortunately it is possible to do that with your model. Furthermore, how does New York City feed itself? It certainly does not grow enough food to support its population. Yet the fact remains that New York City has a population of over 7 million living comfortably, but does not grow enough food to feed itself. The obvious explanation is that the food is imported, that NYC depends upon the rest of the food network of the country to survive. Similarly, it cannot be possible for NYC to be so affluent independent of the rest of the economy of the country, and this fact can be bypassed with your model.
I will in fact even say that NYC does not generate that much wealth; it is merely the location of a concentration of wealth. The city could as well be Chicago, Seattle, Los Angeles, Leipzig, Bogota, Nagasaki, Shenzhen, wherever, for what does the city contribute to the wealth? NYC is not responsible for the wealth; it is those who reside there that do, and they could as well reside anywhere. My model has such people reside where their company operates, and therefore cannot display such concentrations of wealth. How many CEOs live in NYC that actually have NYC as an important contributor to their corporations profits?
Finally, I do say that your system, rcoutme, is vastly superior to Civs system, and I think it would generally work well in Civ, besides being very easy for players to adjust to, transitioning from Civ economics. However, I do think there are a few flaws in terms of theory that I hope can be fixed in a manner consistent with the rest of the model. Then your system would be the perfect combination of theory and playability, as opposed to my theoretically competent but somewhat complicated economic model. I will continue to try to streamline what I can, and I look forward to hearing what you may come up with next!