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By jove, there's loads of ways to make infinite caps in this way if you look... Must stop playing now cause having too many options can never be good for any economy... Oh wait...
1. Scrounger perk and sell unused ammo
2. Buy fertilizer and make jet
3. Sell useless legendaries
4. Sell off all the grenades and such you probbaly dont use.
5. Once you acquire double meat perk, cook meats and sell.
Scavaging stations with settlers gives you ressources for nothing.. Including plastic.
Any settlers not on food should schavange..
This gives you free Jets forever and ever. 10 settlements, average 2 brahmin in each.. that's 20 fertilizer every ingame day. That's a whole drug empire you can make.
Settlements as a whole are broken.
-Huge Mutfruit farms - Money gallore
-Fertilizer - Plastic - Jet farm, - Money galore
-Industrial Water purifier's - Money galore
Then there's the final rank in fortune finder with a good chance of enemies exploding into caps.. So respawning enemies = free ammo, caps and weapons.
This is a giving game for a post apocalyptic setting. If you ain't swimming in caps/ammo/drugs you're doing something very wrong.
Tons of Missile launchers, Power armour frames, Fat Mans, Legendaries, Sturdy/Heavy armour pieces. If it can be found, it can be found at least 5 times in this game
But, you said it best yourself:
So with attacks, then you get whiners who complain that "but my settlement was attacked!" Fine then don't build water or food beyond what the settlement needs! Or you have to spend a lot of resources to build defenses. This makes it pretty fair in my book.
I have not seen a single post in 3 months solely complaining that their settlement was attacked.
I'm sure there must be some, but they're certainly not the norm. If anything, people complain that their settlers + massive defenses can't seem to deflect simple raider attacks.
lel