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There are a lot of problems with the financial logic in the game and it consistently gets ignored for shinier objects. I've personally done a ton of work in this area in the past, but given the ignorance of it over the years I've stopped investing the free work because none of it was ever adopted.
Re this topic, you can play in commish mode and solve these issues. It requires more work on the front end, but...if underlying issues were fixed with the trade logic and other financial matters like clarifying the differences between "budget room" and "payroll "and so forth -- which is conflicting, confusing and serves no real purpose, then this would work how you all are intending.
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