I agree with you. We can direct our money into something more related to victory.
Currently money is not useful in CIV VI, at least in current game mechanics.
We need religious victory? Buy with Faith
We need districts? We build it
We need science
? As long as I am not bankrupt, why care the coins.
We need city states
? We have envoys.
GPT
? Something extra that allows us to buy tiles or some inexpensive units every few turns.
WHY SHOULD WE CARE ABOUT TRADES THEN?
Here is the main problem in CIV 6. The importance of coins are of nothing vital while in reality money rules so much more. It is impossible to make civs care economy when they can self-sustain.They just don't have a need of extensive trade.
Cultural based players may need to establish trade routes for the boost in tourism but outside of that, there is nothing convincing for them to trade harder. Besides we can always just trade with city states to get the income.
This is a good idea to use economy to dominate the world, compensating this problem. We had world leader victory in CIV V. But in reality which single nation can really be dominated by diplomatics?
MONEY buys the world or at least let you feel sad in comfort. Economic sounds cleverer and at least more logical than the stupid diplomatic victory.
No offense, but a bank filling project is not quite reasonable. Also civ 6 does not encourage you from evading this world. It tries to bring you into conflict and contact with everyone so a turtling underground bank is not quite the game's idea.
I suppose it will be too funny to see "
You have accumulated great wealth and the world is fascinated by your enormous amount of gold in your vault. That conquers them all for eternity." in the victory anime.
Using economic to win and influence other nations is not building up a giant bank underground, that you can fill and win the world, right?
In my opinion, economic victory is about occupying the trading needs of every nations. A true monopoly is what makes you the economic winner.
I suggest if we really add in an economic victory, it can be like "make trading with you, either by direct or by trading routes, becomes 50% of every civs' total GPT".
That sounds more reasonable?