Desk of Credit Control

Desk of Credit Control

Many times have this office of SoC have tried to fix the inevitable economic problem of Tiberiam Roleplays, and none of the solutions that came up have fixed the problem. The core of the problem is simple: we don't have ANY means to punish people for spending ridiculous amounts.


However, the solution is at hand: Welcome to your worst nightmare... the CREDIT RATING SYSTEM!!!


Basically, here, SoC and few trusted elites (ALL of your RPing community members) can discuss and put up for vote a certain countries' credit ratings. Of course, it doesn't have to be started by me. If Oscal starts to act out of line and spends like crazy... feel free to post it here and we will have discussion about it. At the end of the day, the ratings will indicate just how stellar a country's spending is acting... and whether they can AFFORD to spend as much as they say that they can.

Now, having poor rating isn't end of the world, but it is painful. As you go lower into the ratings, not only will you be poked fun at for having the most HORRIBLE economy imaginable, but you will start to lose some abilities to do certain things as your country runs into more and more debts. I shall explain below just how this works.




Rating Legend

The rating system will use the corporate credit rating system. The system is divided into several divisions. Within that division, there is different rankings.

It is also good to note that the divisions tends to change quicker than the actual rankings. As in... you can keep your AAA ranking while having dropped to A-1. However, over time these rankings follow the division. The formula isn't perfect, but rank changes up or down for every RL week that the country was in certain division.

While your DIVISION indicate how much cash you can immediately generate, The current ranking determines your military capability. As in... if you have AAA+ ranking but is in B division, you can STILL commit to massive scale war efforts. However... that will only serve to cripple your economy even further, and could cause you to lose the ranking faster.

A-1+ : Epitome of Epic Win

• Basically countries in this division have it all. They have great credit ratings and they have fantastic, BALANCED economy. These countries can do anything with their spending... but perhaps to keep this rating, they best keep up with whatever they have been doing.
• Rankings within the division:
  • AAA
  • AA+
  • AA
  • AA-

A-1 : Great Economy

• There isn't much difference between A-1+ and A-1, with exception that the A-1+ countries have some of the BEST economy even without balanced budget. So basically... this is the place for poor countries that have kept up with balanced budget, or great economic countries that have fallen under slight economic mishap.
• Rankings within the division:
  • A+
  • A

A-2 : Good Economy

• A-2 economy is certainly economy with bumps and scratches, but overall great economy to invest in. It has been constantly growing, which is why sometimes the economy seems to have went beyond the spending limit of the country. It is overall, solid, good economy.
• However, countries with A-2 ratings have hard time keeping up with war of attrition. Drawn-out war that takes over a year in RP time will serve to weaken the country.
• Spending beyond 1 billion dollars (Tiberiam) will not go well with credit ratings.
• Rankings within the division:
  • A-
  • BBB+

A-3 : Economy-worth-noting

• A-3 economy is a solid, a-okay economy. They are not doing their best, but they also have very little mass-scale defaults. However, debts is a serious problem with A-3 countries. Usually developed countries that have fallen into crippling depression or underdeveloped countries that has JUST gotten into developing country status has this economy. This division is also the most fickle. The division rating could change with nearly ANY economic decision, for better or for worse.
• A-3 countries has severe shortage of massive funding, and thus they cannot keep up with war for long period of time. A-3 countries cannot go beyond 6 months RP time of war without suffering greatly. They also cannot afford some of the more powerful weapons such as nuclear warheads without crippling their economy. (Refer to post about "Omega Military Constructs" or OMC for more information as which weapon cannot be developed by A-3 countries.)
• A-3 ranking countries also cannot raise high funds quickly. Anything beyond $500 million (Tiberiam) will not go well with the credit rating.
• Rankings within the division:
  • BBB
  • BBB-

B : Struggling Economy

• B economy is certainly struggling to meet their daily ends. They constantly default on loans and they have bought up distaste from lenders, and they have hard time raising funds to cover their costs. Usually they have to resort to high taxes and cheap exports to keep their economy going. All in all, B economy is doing pretty poorly, and they could only hope for economic reform to push their country back into the A-rankings.
• Countries with B economy cannot raise enough funds for war. However, short skirmishes are still within their abilities. Any war beyond a month in RP time will certainly create a disturbance in already crippled economy. B economy also has hard time keeping up with latest in military technology... or technology in general. Thus, they have numeric limit of 5,000 of ANY high-tech weapons (fighters, tanks, battleships, frigates, tactical missiles) as well as inability to produce ANY of OMC weapons.
• B economy countries also risk losing a war by defaulting on cost. B economy countries defending their land for over a year RP time will have to automatically surrender as they ran out of funding.
• B economy countries can also not raise quick funds. Any funding beyond $100 million (Tiberiam) will not be able to be raised with country's current credit ratings.
• B economy also cannot provide for its citizens. Any welfare system that the country pride itself of will be stripped
• Ranks within the division:
  • BB+
  • BB
  • BB-
  • B+
  • B
  • B-

C : Failing Economy

• C economy is horribly misplaced economy. In fact, it is best not to mention what kind of horrible stuff happens to countries with this rating. Country have hard time defaulting on their loans because they cannot get loans. They are in MOUNTAIN of debt, and they cannot pay them off fast enough. With piling interest and debt, a country could also seek help of generous, rich countries to help them through.
• C economy countries just cannot do war. Thus, C economy countries cannot invade or expand their territories. C economy countries defending their land for over half a month will automatically surrender, as they just cannot keep up with war efforts.
• C economy countries are restricted to 1,000 high-tech military weapons and absolute ZERO OMC weapons.
• C economy countries cannot generate beyond $10 million (Tiberiam) immediately.
• Rankings within the division:
  • CCC+
  • CCC
  • CCC-
  • CC
  • C

There is only one rank below this... D economy. Any country with D economy will have to give up existing... Without the grace of SoC or the Tiberiam community, this country just cannot survive.

Current Rankings

**Last updated: 12/25/2012**

• Lenyo: A-1: AA-
  
• Oscalantine: A-1: AA-
  
• Civa Orchestra: A-1: AA-
  
• Fideliara: A-1: AA-
  
• Hijjma: A-1: AA-
  

I wish to draft a formal complaint regarding The Incorporated States of Oscalantine.

First, I cite Isis's Golden Law, which pretty much says that our RP stats must reflect our NSE stats.

Here are the NSE stats of Oscalantine and the nice pie chart NSG offers.

At the moment, both NSG and NSE calculate Oscalantine to have a wide array of public services supported by a 95% income tax, which is astoundingly high for a capitalist country. It can be assumed that NSG and NSE assume your nation to have other taxes, because while income tax generally brings in the lion's share of a government's revenue, there are certainly other taxes. This terrifying chart details the tax revenue of European countries. The GDP% of income and corporate taxes constitute a majority of the GDP% of total government budget.

Let's choose the UK as an example, because it's one of the more capitalist countries in Europe. Its government expenditures are somewhat similar to that of Oscalantine. More importantly, let's observe its tax revenue.

We'll assume membership fees to be a de facto corporation tax. Note that corporate taxation constitutes 9% of the British budget, while "customs duties and levies" bring in a third of a percentage point.

I'll assume Oscal tariffs to be massive and round up to a whole percentage point. With only membership fees and tariffs, Oscalantine would have a 90% budget shortfall, were it to try to support a modern government apparatus.

Maybe the UK is weird. Here's France. There income and corporate taxes bring in a third of revenue, while the sales tax brings in another third. Tariffs fall into the indistinguishable other category. This would be an 83% budget shortfall.

Clearly, Oscalantine's legendary education system, health care, and absence of a crime rate cannot be supported by such unreasonably low taxes.

Assuming that Oscalantine has been consistently spending ten times its tax revenue, I believe it to qualify for the C or D categories.

To rectify this situation, I suggest multiple courses of action.

• Accept the tax rate provided by NSE and NSG.
  
• Slash spending and accept the tax rate provided by NSE and NSG.
  
• Fold. Start a new nation. O% income taxes are definitely possible. Just look at the Protectorate. However, such low government spending has major disadvantages.

I think option two is best, I don't think it makes sense that Oscalantine gets to wiggle out of having to explain why his capitalist nation has a 95% tax rate, but still use the money.

But wouldn't that turn him into a socialist state?

Well, that would mean having a downgrade in his credit rating. But if he will continue with overspending, that will also result in downgrade, though much worse.

But personally, I think we should have guidelines for upgrades and downgrades. I mean, CLEAR guidelines.

KingIsaac wrote:

Well, that would mean having a downgrade in his credit rating. But if he will continue with overspending, that will also result in downgrade, though much worse.

If he says he's financing a large government with a tiny budget, a monumental downgrade is in order.

KingIsaac wrote:

But personally, I think we should have guidelines for upgrades and downgrades. I mean, CLEAR guidelines.

Clear guidelines would be nice, but I have no idea what they would be.

Erm..

okay, I am not in the best state to explain what I have here... but E, I did indeed explain my budget to you, didn't I?

I'll explain what is what tmw. Currently I am... well, for all intents and purposes, sleepy... and perhaps inebriated... and thus I cannot answer the question with full clearance of mind. However, I will go to say that... well, the issues that are given to me in NS is sort of restrictive. Either I slash my gov with cuts or I increase the taxes. There is no middle way or to choose "the corporate" tax order. I have said this when you mentioned my def spending, and I say this now: the NS calc is hardly what I do with it.

So, instead of relying on NS calc, I decided to give 95% a new meaning... which is basically nothing. The so called "Taxes" I get from my "people" are simply corporate membership fees, or what companies pay for having "domestic" licence in Oscalantine. Having company named domestic in Oscal means a lot, as it exempts the tariffs for the year as well as giving better sales in Oscal. All for the price of few dollars. Usually companies that feel the need to sell in Oscal purchase this license... not just the membership companies. And I have mentioned before that membership companies have their own "taxes" to pay.

And I have mentioned before... Oscal doesn't have "Taxes" so to say. Instead, they purchase their freedom. It isn't to the Oscal government, so it isn't taxes, but it is to law firms who you can sort of see as "insurance companies." Should your expression of "freedom" conflict with others, they protect you by defending you in the law. So... if you have bought the right to spit on others... which I must assume that the cost is astronomical... then the firm that you bought the license from will protect you in lawsuit against a firm that have sold "right to not be spat at" by the individual that you spat on.... assuming that they did buy such item.

In short... freedom in all sense of manner is bought, not guaranteed. And instead, there is no taxes. I have said it before and I will say it now: the only reason that 95% tax rating is because there is no such system in NS economic calculations. The citizens pay no less than 0% of the tax rate. Instead, they buy license to freedom. However, these firms that provide said freedom have to pay membership fees to be part of "domestic" services... as there is a law stating that freedom law suits can only be processed by domestic companies.

Also another source of income besides the membership fees and domestic fees from companies is corruption fees. Oscal allows corruption. However, it it taxed. A few percent from here and there. However, as you would expect, once legalized it practically is part of the political life in Oscal. And thus... political leverage requires cash for corruption, which further means that it is taxed. Either way, government of Oscal benefits.



I sort of explained it all in my inebriated state (yes, I do believe that I am drunk), but basically that is what Oscal is. I never really liked NS calculations, but I decided that 95% tax rate was never really the case with Oscal. Rather, the same amount of cash that would come from 95% of people's incomes will come from companies, who pay by trying to be "domestic" in Oscal, pay the membership fees, or pay for leverage in government. While these seems a lot to demand from companies, keep in mind that there is no such thing as regulation in Oscal. Companies flourish here as variety of goods are sold in different quantities and qualities around the market. So... in short, companies who wish to participate in Oscal market allow themselves to be subjugated to Oscal "taxes." Or... they pay tariffs, which is equally taxing, but without benefits.

In short... those tax rates don't exist. They never have, and I mentioned it before in the old forum. I have mentioned this to Donk as well: you don't need to follow NS calculations. However, you MUST have the same results... as in you cannot have 5 trillion dollar economy when your NS calculation states that you have 500 million. However, as long as your numbers stays the same... how you obtain it and how you use it is up to your country... of course, being in database would be awesome.



I know I have been lazy with database. I will update it with all these information soon. But... dude, E, I haven't done ANYTHING yet. Why must you constantly bring up by spending? It isn't like I am making WMD or something... T^T Leave me well alone, would ya?

Since Oscalantine has been spending like there is no end, Oscalantine have clearly overstepped his bounds. Therefore, unless Oscalantine finds ways to back up where his spending comes from, SoC will be lowering the credit ratings by one leve.

Of course... I know EXACTLY what to do to get my budget back in balance... but I thought that I should give myself the benefit of the doubt... I am indeed spending a lot... only because I need to make sure that I can compete with two countries at once.


Here's what I thought about Oscal's spending. (-) means that it is spending, and (+) means that it was saving. It all comes from recent events of Internationals Summit and Octagon event.

(-) Helios Complex
(-) New unnamed project
(-) Supporting Civa with military program
(-) New military build-up

(+) lifted embargo
(+) stopped black market smuggling operations


Oscal would have met two level downgrade if the two +'s were not there. However, it does not excuse Oscal from spending so much in such a short period of time. And thus, I am dropping the credit rating until there is a suitable balance... whether it is suspension of projects or new influx of cash from the savings.

Desk of Credit Control

Yeah. This is definitely something I just fabricated. However, I think we need to make guidelines regarding non-RPer nations. (I think Osc made another name for them?)

The one and only reason we RPers dominate the non-RPer nations is because they're poor as shit. Only 25 countries in RL have a GDP greater than half a trillion dollars. Only 15 have a trillion. And only 9 (the G8+Brazil) have more than $2T to influence/dominate/imperialize the world.

Those extremely welathy countries are us. None of the poor countries in RL will ever attack a wealthy country; they'd be annihilated immediately. The same applies for our RP. We dominate them; they politely ask not to be imperialized.

I think it's safe to say that even the greenest recruits to Tiberiam will have an economy approaching or exceeding $500B. Let's make that the limit for non-RPer nations, most of which will be worth significantly less.

What's the immediate effect of this logical rule, assuming everyone finds this proposed law sane?

Quote :

It was at the height of the corrupted regime that the Oscalantine's offer of Helios Complex came in. Naturally, in order to satisfy the moneyholders back in Carnibas, the government officials [of Terasonia] instantly agreed to support the project, forking over 200 billion Nexus Credits

That's either near or greater than their entire GDP. Slash that down to something Pakistan could afford. Or, to be more realistic, something Algeria could afford.

We should establish that BoC ASAP, so that my annoying complaints can be more formal.

Osc, I've found a way to reasonably fund the ISO. If we agree that the Oscal military doubles as its police force (which is totally logical, your military is bloated as hell), and that everything else on your current NS budget is privatized, the following gauntlet of taxes would work.

• Membership dues being the equivalent of a 23% corporate tax
  
• Tariffs
  
• A 15% VAT (sales tax)
  
• A 160% petrol tax

We all know that NS does not accurately portray many nations, especially weird ones like Oscalantine. That's why the SoC is able to modify NSstats to fit the RP.

Remember, I'm trying to make this as painless as possible. If you want to be able to RP expensive projects on a whim, you need a tax code. And what I listed is pretty bare-bones; many hugely lucrative taxes and an army of smaller taxes are absent.

Adopt my suggestions, and you'll be able to continue RPing as before with a capitalist tax code that is significantly lower than even the most pro-market RL wealthy nations. Insist that you don't need all of the above, and you're more or less cheating.

Hmmm....

Well, BoC has been on hold for AWHILE. However, I do agree that the number of 200 billion is insane. I have NO Idea why I put that number there... but since you have been reading carefully... I thank you for point that out ^^ I'll edit those numbers to something more reasonable... maybe 200 million? I think that is what I intended to put and sort of exchanged m for b since I went on autotyping mode or something XDDDD


As for your other complaint... E, I have been repeating why Osc has this ridiculous calculation OVER AND OVER again... and now I must repeat myself.

To be as brief as possible... few things that keeps Oscal going: membership fees, tariffs from "foreign" companies, domestic fees, sales tax from the company's side, and... lastly, profit from Oslose Foundation. Another thing to keep in mind: Oscalantine has practically privatized nearly ALL government activities. Welfare? Completely privatized. Enforcing rights? Privatized. Police? Erm... privatized? Fire fighters? Privatized. What you would call "government mandates" have been privatized. It is running profits, so to speak.

All these things are done by corporations. Not just a few MASSIVE "member companies." There are various other companies in Oscalantine that works with member companies. These companies ensures smooth running of Oscal without government EVER needing to keep up.

Another thing that I should mention... National Army in of itself act as a reserve. As in... remember what I said about National Army needing to mobilize? Well, that's because National Army of Oscalantine does not stay in active duty. Sure, they stay around the barracks area and sleep and train there. However, during parts of daytime they go out into the workforce.


The point is... E... I have explained what I have been doing for awhile. If you have questions about them, let me know. If you feel like this is not sufficient... let me know. However, I do believe that considering Oscal government really funds very few things and that there are incomes coming equivalent to taxes, Oscal is getting along just fine.

As for credit ratings... not to worry. I'll watch my own back ^^

Oscalantine wrote:

As for your other complaint... E, I have been repeating why Osc has this ridiculous calculation OVER AND OVER again... and now I must repeat myself.

To be as brief as possible... few things that keeps Oscal going: membership fees, tariffs from "foreign" companies, domestic fees, sales tax from the company's side, and... lastly, profit from Oslose Foundation. Another thing to keep in mind: Oscalantine has practically privatized nearly ALL government activities. Welfare? Completely privatized. Enforcing rights? Privatized. Police? Erm... privatized? Fire fighters? Privatized. What you would call "government mandates" have been privatized. It is running profits, so to speak.

All these things are done by corporations. Not just a few MASSIVE "member companies." There are various other companies in Oscalantine that works with member companies. These companies ensures smooth running of Oscal without government EVER needing to keep up.

Another thing that I should mention... National Army in of itself act as a reserve. As in... remember what I said about National Army needing to mobilize? Well, that's because National Army of Oscalantine does not stay in active duty. Sure, they stay around the barracks area and sleep and train there. However, during parts of daytime they go out into the workforce.


The point is... E... I have explained what I have been doing for awhile. If you have questions about them, let me know. If you feel like this is not sufficient... let me know. However, I do believe that considering Oscal government really funds very few things and that there are incomes coming equivalent to taxes, Oscal is getting along just fine.

As for credit ratings... not to worry. I'll watch my own back ^^

Somehow I missed that Osc had a sales tax. Throw in the Oslose Foundation, a highly lucrative state industry I also overlooked, and I withdraw my complaint.
Continue spending as you did before, somewhat recklessly, and you'll receive no more complaints from me. Escalate that to fully reckless, and I'll make sure to bother you again. Where would we be without me tilting at windmills? ^^

Spoiler:

Spoiler:

As SoC, I have decided to dop KI's credit rating down another level, and down the ranking by two levels. The reason for this is due to the following events without backing of proper credits.

(-) Orbital Weapons Platform program WITHOUT prior space program in place
(-) Several military bases all over Tiberiam
(-) Construction of space agency
(-) Collaborated, but still relatively quick launch of space shuttle.
(-) Independent mining development projects.

There isn't much plus... maybe tariff on all Oscal goods, but that will probably hurt KI more in the end when I finally decide to post Oscal companies leaving KI...

Regardless, KI needs to address these problems for it to re-gain its credit ratings back.


EDIT: Due to ranking drop from Great Economy to Good Economy, the nation of KingIsaac have been limited to spending less than 1 billion dollars (or 1 billion Euros [KI currency]) in this RP year (2.5 monthes)

[[You CAN spend beyond that... but doing so would further degrade the ranking and rating]]

Ah, wait a minute.

Quote :

(-) Independent mining development projects.

So mining now hurts my economy? Shouldn't it be good because mining brings a lot of money?

And for spending, I will use President Jeny's OWN wealth(worth 1.2 T). That is not from the government so I'm free to use it.

The 1.2 T wealth has been RPed.

Mining INITIALLY costs substantial amount of money to start. Therefore... since this is government-funded projects... I must insist that it costs cash.

Okay, Jeny thing....

I am afraid that you cannot keep spending Jeny's cash like that. Mainly... because if that is the case, I can use Nexus Inc's several multi-billion dollar industry and budget to fund my projects. I can also use Melcoba Family's 2T cash for my use as well. However, I do not. I also know that there are other companies and groups around different parts of the world, but they are not being used.

And... Jeny having 1.2 trillion dollars... I MUST ask where this is coming from. If this is from taxes... dude, we might have to degrade your credit rating even further... because that is corruption and not good for credit ratings. Jeny being THAT rich in of itself is ridiculous... the fact that your "queen" owns more than your country's GDP.


I wasn't going to touch it because I have been bombarding you with orbital crap, but... dude, orbital bombardment program itself right now is unrealistic... with you wanting "mantle buster" and having explosive power that of all the nukes in KI times three. There is no weapon in the world that does that. I have yet to say anything about it (Because we discussed that orbital weapon platform will have explosive value of a small meteor AT MAX), but... where is the money of Jeny coming from? Extortion from the people?



...


EDIT: KI, the reason why your credit rating has dropped is NOT because of your economy. (which I must admit must be suffering due to trade tariff) It is indication of your RIDICULOUS GOVERNMENT SPENDING. You spending more on safety netting banks will cause even more strain in your government... which it cannot do.

Best way to balance get rating up is to spend more responsibly. Start creating funding, trade conventions, economic deals, FTA... THOSE, not more spending... will get your rating up. Not spending more on creating safety nets... ^^; the credit rating isn't for your economy, but for your government.

The 1.2 trillion is legal.


You see, KingIsaac was formerly an absolute monarchy. Jeny had absolute power over KingIsaac's treasury. When she was about to get impeached, she collected all her unclaimed "salaries and allowances". At that time, Parliament gives $100 billion a year for the Monarch's own expenses, though only $50 billion is being spent. Jeny then collected all what was left for the budget for the Monarch, which amounted to 1.2T because she ruled for 20 years(as a queen).

I mean, if there are unspent money from the Monarch's budget, then it will be added to the next budget. So, 100B + 50B = 150B. Then repeat the cycle. Again only 50B is being spent.

That will DEFINITELY affect negatively on the economy.... I will have to consider downing your credit even further... if your country needs to give hundreds of billions to the queen when the economy was spending so much on other things, that is nothing but trouble.

Regardless... there is a problem...

If I let you use your 1.2 trillion dollars, I will have to allow everyone else to use their faction's credits as well. That means, that... well, for instance, Oscal is given 2.1 trillion dollars from Melcoba Family, 500 billion + 175 billion + 200 billion + 105 billion + alpha from all the member companies, etc. So... my letting you use your 1.2 trillion, I get to use well within 3 trillion... hmmm... I may allow it ^^

No, seriously, for the sake of fairness, if I allow the use of non-governmental agency's capital, I have to allow it across the board. If that is the case, I open the floodgates for ALL spending ridiculous cash backed by different individuals. So... the answer is N.O. I will not allow Jeny spending that.

Alright, but may I remind you when it happened. It happened BEFORE we even moved. Before this policy was even implemented. Before KingIsaac was recognized as this(you know what I mean).

So, technically, it can't be covered by this rule.

Because I believe we will all have downgrades if we will "review" what happened in the past.

Well... yes. I forgive. To an extent.

However, claiming that an individual has 1.2 trillion dollars? And you saying that it is from taxation? That is something that I cannot forgive.

But whatever... I digress. I won't make a fuss about that. However... I have been approached by others telling me to review your military numbers one more time. By any chance... are those fighters and bombers ALL state-of-the-art fighters? Or are you like Ras, putting numbers of ALL the models in service, whether they are WWI models or not?

Quote :

(-) Orbital Weapons Platform program WITHOUT prior space program in place
(-) Several military bases all over Tiberiam
(-) Construction of space agency
(-) Collaborated, but still relatively quick launch of space shuttle.
(-) Independent mining development projects.

Damn, talk about deficit spending. We're counting trillions now.

Still, unless KI has posted something about establishing a space agency in my brief absence, I'm going to pick up that tab. However, I must admit that progress on the space front is going at a questionably rapid pace, and space technology is hardly the HESS's forte. I was hesitant to RP delays, but it would probably be best. Otherwise, the HESS is going to have to do this project like the USSR did the Voskod Program: improvising horrendously unsafe space vehicles.

Spoiler:

We've been over the Kinetic Strike program; it's ridiculously expensive. The issue is that it's not the only huge new cost. Massive foreign base programs are extraordinarily expensive. I would compare your military spending to America's, but frankly, you're blowing the US out of the water.

Quote :

Each military base will be fully-equipped and will be able to stand alone in case of emergency or war. There will be tanks, war planes and warships in each military base. A military base will have a minimum of 100,000 soldiers

Each "base" will be much more well-equipped that all of America's forces in Germany. Since every satellite country has three or four of these, each cluster of foreign bases is more well funded that Taiwan's entire military. These new foreign bases will cost you $315 billion annually.

However, a fiscal support will likely be most expensive. The US government insured $2 trillion of toxic assets at the very beginning of the most recent recession. And that wasn't even a stimulus package.

So... I'd say that if Jeny is willing to liquidate EVERYTHING she owns and starts living in a cheap apartment, she could personally fund the government assistance of the banking sector. That would leave your bloated military budget.

Might I recommend taxes?

Two ways to keep your budget in line: stop spending or get some more funding.

You can do that by RPs. You can somehow get a new tax revenue, raise the debt ceiling (Bad idea...), and conquest. Or you can stop any sort of budget... your military and civil rights budget is always a good ones to chop down.

I said conquest, which is... well, just a reward for people conquering territories. I will allow up to... 500 billion dollar gain for NPCs, or 1T for RPC gain (if they agree with it) for conquering or claiming surrender. However, most of those will probably go into military upkeep anyways, so I guess you will have 300 bil left from that... at the most. (and knowing KI and his unstoppable army... probably entire 500 bil will be used to upkeep)