Just wanted to let everyone know that I'm working hard on the economics right now, and have fixed a number of other issues as well. Second patch will be out this weekend sometime.
What I'm trying to do now is 'tailor' the economic state for each faction at the beginning so that the dive into debt isn't quite so bad....my 'benchmark' is that after 10 years, if the faction can't get into the black (at least) or start making some money, then it's going to go belly-up and just wait around for someone to kill it. Rome, Carthage, Syracuse and perhaps others had such severe problems they were becoming 'useless factions' in terms of the AI control of them. My observation in playing them was that it was near impossible to survive on H/H for any of these (especially Syracuse). So, what I'm going to do is tweak the trade bonuses and starting money for each faction so it's 'hard' at first, but not impossible.
Pergamum, for example, makes money almost immediately it seems, so I reduced their starting cash a bunch, and will specifically tweak their trade.
I think the Romans are close now to a decent start...have to tweak them back just a hair.
Syracuse, being an island faction, has a very tough time. I went around getting trade from everyone, built only economic buildings, pleaded for peace, and used my money as sparingly as possible. They start with the most money of any major faction...and yet in 10-15 years they go bankrupt every time.
So I'm going to really boost their 'sea-trade' income and see if I can fix this.
Carthage, also, was dying on the vine....but I made some changes there before starting a Syracuse campaign and noticed they were again kicking butt in Africa.
Please report economic issues here....bad, good, too good...for the factions your playing. Thanks.