In my games I have an overabundance of money to the point that it dissuades me from choosing economy oriented civilizations. I don't have a single market district and never needed one and i can make more armies than I need. The problem is that this removes the economy oriented civs as viable options for me since I don't need more money. In my opinion it would be more fun if it was more like Endless Legend, where you carefully have to balance your income and expenses.