He disagrees. The opportunity cost of putting the Hammers to a productive use is too high.
When you break windows to create a job, you're taking that citizen away from doing something societally productive. The unemployed guy wins (as long as fixing windows pays better than the alternative), the people whose windows got broken lose, and society loses.
But since there's a winner, politics means that it is possible to observe these scenarios in real life even though the behavior is costly to society.
Since you're the central planner for a society in the game, you don't want to break windows.
Wait Disagreeing with it as a Strategy
OR
Disagreeing with it as a Game mechanic.
I do think that diagreeing with it as a Strategy is quite reasonable. Hammers are much better at making buildings/Wonders/Units than Gold is.
And Gold is much better at doing Diplomacy than Hammers are (by converting them to gold through wealth/disbanding)
So
Hammers->Gold is not a good Strategy
EXACTLY, it should not be a good strategy...(most of the time)
However,
Hammers->Gold
Should be a game mechanic... (especially since everything Hammers build except Wonders costs Gold maintenance... and Hammers can only be used locally)
So If a City doesn't have any building that would be worth building right now, and it you don't want to build any units, then you need something to do with those hammers.... they can't help Other buildings in other cities, so let them help gold.
However
"Building Wealth" Should be more efficient than "Building and Selling units" at getting gold
and
"Working Trading posts" Should be much more efficient than "Working Mines and Building Wealth"
Right now the problem is
If I have extra Hammers and Gold would be better for me right now, then the Best way to do it is to
Build a unit+disband it.....
That is a Better Strategy than Building Wealth
but it is Bad that the 'build +disband' is better than 'build wealth'
because.... 'Wealth' requires a tech, 'Disband' does not
and even more importantly
'Disband' is a complicated process requiring extra steps...
If all you want to do (for whatever reason) is turn Hammers to Gold
it should be simple or impossible
So Ideally "Build Wealth" would be available at the beginning of the game, but it would give equal or slightly greater efficiency than "Build+Disband"
However, once you researched Currency, Build Wealth would come out better than "Build+Disband"... but still worse than "Replace the Mine/Lumbermill with a Trading post"
I see we actually agree...
We may disagree that you should get ANY gold for disbanding a unit... I think you should because those units are significant hammer inverstments.