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In terms of solution - I think that loading screen advise should be enough. And only if it's easy to implement - maybe players should be able to request particular locomotive delivery, pay double and receive it in few weeks even if it's currently unavailable?
On the other hand I think that Sierra appears too early. I was able to buy it in mid 1862. With Sierra I was able to do city hall quests for 4-8k (sometime two at once) and quickly gather cash. Combined with bank interest things went too easy. Now is mid 1864 and I got over 60k at hand and 600k in bank (which gives 115k in 45 days), 42% shares, fully upgraded train and crack crew armed to the teeth. And I could have earn more if I didn't waste time for quests, empty rides looking for new Sierra, etc.
Basically I don't have to drive a train anymore. Too easy for normal now (beginning was ok). Without Sierra (and 13% interest rate) I wouldn't be able to make cash so fast. So in my opinion Sierra shouldn't be available so early, maybe after a war. And interest rate is slightly too high. Maybe 10% max would be better?
Maybe you should reduce interest from larger sums or introduce risk of bank banrupcy. This would force player to spread money between banks and interest wouldn't be 100% sure.
BTW - is there currently something better than Sierra in game? Long time has passed and nothing new appeared...