I've said my piece and given my reasons : I know banks and goldsmiths needs vast resources invested : I have already invested vast resources in them : they aint making the money to invest even more vast resources in them. So I shall stop and write it off to experience. I shall not grow a bank that can sustain loans or compete in credit exchanges and such : I shall not grow a goldsmiths that can supply the market for the supposed growing demand with new uses for gold bars : I shall not build ships to enable newer players to get a decent start in the game : I shall not gift ships to new players, nor drop coin in their purses, nor aid players in distress with well-time generosities : cos for all that, I need an income to pay for it.
I can survive with 3 fleets and make enough to cover my daily bills : maybe I'll make the occasional nice score in a raid. but my contribution to the game, a contribution which , I believe, has helped many players both new and old, will be minimalised : c'est la vie.