May I make a few suggestions:
1. For the human player, and the AI player, to be totally forbidden from buying NPCs or anything else which would immediately put them into debt;
2. For a warning to be given to the human player if they are close to crossing from Positive Gildar to Negative Gildar by Upkeep or Maintenance Costs, so that they can immediately cut down on their spending and avoid Negative Gildar;
3. For the AI player to actively avoid getting into debt, and if for some reason they do, make units desert like they do to human players' armies.
This is crucial for the game to be beatable on the easier difficulties, and the above are really required bug fixes for a stable, balanced game. What do others think?
Best regards,
Steven.