When using a pioneer to build a new town, the tooltip of the buttons says "cost: 0 gold". However, when you actually build the town, it sometimes deducts over 250 gold from your treasury.
The tooltip should reflect that. In addition, I'd like a warning if an action I perform puts my treasury below 0. As it is, I have to guess how much a town will cost, guess wrong and spend the next 30 turn getting my treasury back up while one unit after the other starts to desert me.