Really sick of this interdependency paradigm that most players have.
I would rather play whereby everyone understands that they are supposed to be independent, and that if they want to go pure banker they should expect to get their res from the market or get aided if prices are too high for them. Same with resourcers - their peacetime upkeep can easily be had by a little trading.
It's only when people fall on hard times or during war that it is necessary to have a fam bank.
And it should be a short-term measure aimed to help players get back on track towards being self-sufficient or accomplish war objectives.