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This actually. I would also like to suggest some ideas ( keep in mid however these are mere suggestions from some random idiot on the internet , not instructions , you as a mod creator have already given us the community so much for free already . Thus I have no such right to instruct you to do anything and my only true saying is a thank you form the bottom of my heart.
That said , if you would still go on to read my mere but utterly rambly suggestion.. )
Maybe you should actually do something similar to what they do for camp adventurers and let the house head choose between one of three "types" of estates within a realm - Trade family , The normal estates , and Banking families . Certain government types , like the plutocratic republics of venice and pisa could automatically transform any normal estates within their boundaries to trade estates . Trade/Banking estates WITHIN a plutocratic republiic should hold special powers like voting and elections , yes , but they should also be able to exist for landless charecters in other realms . Such as trade families in Constantinople , Tyre , Barcelona , Tunic/Carthage and ofcourse alexandria. And then there are Banking families who could be given 3 events and a decision . The event being the deficit event where if they go into the negatives in terms of gold the a.i will just do a simple quick search if there are banking families within the realm , where if there is one they will ask for a loan from them first . if all the banking families refuse they will simply go into normal vanila style "deficit" , but unlike vanila a deficit will aquire the charecter a -10% income modifier ( to circumvent perpetual deficit issues for , in such circumstance a sub-event should pop up where the charecter can choose to change their focus to stewardship , specifically the one that gives a +10% income boost modifier ,, thus the end result will be null but it will still be serving as a penalty as the a.i wont be able to effectively use their focus system while in deficit . A.i's will always choose to change focus in that sub-decision , only a player will have the true freedom to choose to do not so and try to make up the income somehow else ) . A.I Rulers , IF ONLY they have a banking family inside their realm , should always take a debt of 2 years worth of their income to buy mercinaries if they are the defending side in a war ( if they arent already in deficit that is ) . This why you will be able to make the game more historical in 2 ways - a) the way how states went into debt due to wars , b) how offensive wars were much harder to win than deffensive ones in the first place ( as a bonus makes A.i rulers with banking families inside their realms not a walk in the park for a player anymore to conquer ) . And finally the third event , which should fire every year randomly around summer where a trade family will sent out a trade expedition and will try to put in only 50% of the actual cost for the expidition with the other 50% being covered by a Banking family , or if there's more than one banking families in the realm , then two banking families covering 25% each . Each succesfull expedition will return with anywhere from 120% to 140% of the total value ( 20% to 40% profit after subtracting costs ) , with the trade family getting a 10% to 20% profit return and the banking family getting a 10% to 0% profit return if there was a single banking family backing the deal or a 5% to 10% profit return if there were two families backing the deal .
And finally the decision - a decision to establish a branch of your banking family in another country ( basically a cadet house plus some starter funds ) . in event of your own country conquering the aforementioned country where the branch was established the branch family will reabsorbed back into the main family along with their wealth , investments and debts . You cloud also help the/ask for help from other branches of your banking family if you ( or the other branch ) comes in financial trouble , with the a.i choosing not to help if it's own funds are low/in debt and the player can be left to decide for themselves.
Thats all for the long suggestion/ramble. Thank you for unwittingly coming to my Ted Talk.
*I meant "unwillingy coming to my ted talk" at the end , sorry.
Decrease each patrician's regiments if the regiments are too many.
I thing this way no matter if a weak patrician is elected, the republic stays strong.