Not exactly because sometimes people do forget to time their banks properly, especially towns with huge claims over 250+, and towns that do not have much claims directly go for ruin mode instead of bankruptcy so it removes small towns and one man towns.

Perhaps not necessarily being punished due to either being forgetful however the point I want to get across is to get rid of these 2 man towns that stay alive indefinitely until some random variable causes it to fall into ruins eventually. And it's not very pleasing when a town lives for another 20 days more due to bankruptcy.

Or maybe some kind of notification system that gets mad at you when you’re online and town balance low (can be toggled)

I prefer policepig's idea, add a notification system and completely remove bankruptcy. Notifications would start 3 days before the town falls for money

I don't see a reason to remove bankruptcy, it's a good feature for towns for many reasons.

I agree with policepig1 about the notification system, but the bankruptcy system allows bigger towns to have a cushion to not get disbanded because their leader (or co-leader) was incompetent(or malicious), potentially ruining hundreds, if not thousands of hours of grinding and building because of a few commands, whether the person doing those commands was being malicious or not.

Along with another thing, this is something that I've thought about a lot and is prevented mainly by bankruptcy, lets say you promote someone to a rank in which they can withdraw money and let's say they withdraw all the money at 2:59 AM PST (1 minute before taxes are collected) and the town disbands. This is illegal but it doesn't really matter, as many players will have already pillaged and looted the entire town, probably ruining hundreds of hours of work with griefing and looting long before the residents/mayor can even get on to figure out what happened. Yeah they'll get banned (probably for like a week or two lol) but now the staff and the residents of that town have to spend hours getting their stuff back, rolling back the town among other things, along with going around and getting back items, spawners, and other valuable shit that was stolen so it doesn't get duped with staff refunding, and that's only if the non-insiding leaders/residents can PROVE the co-leader that withdrew that money was being malicious. Yes this would probably be rare as hell, but I know it would at least happen once or twice, and would be a massive headache as well, this situation is directly prevented by this feature of which I believe most people have no problem with, you are the first person I've heard of that has complained about it, after all.

In short, towns with maybe dozens of active members living in them shouldn't be killed because of minor incompetence by a leader or co-leader, no one wants HCF rules in a server where singular items can take hours to grind.

As someone who has helped build Konigsberg, which is a city that houses many peoples whole time on the server, along with their items and builds, this feature was mainly meant for people like me, not so much smaller players that may lose a few hours of grinding in a new town if they go into ruin, while we could lose combined thousands of hours.

What we could do is make claims harder to get, with getting less claims from nation bonus, that would nerf 2 man towns that have 69 gorillion claims.

Nation bonus is earned with sieges, bankruptcy is just straight annoying, still want the bankruptcy system? Ok, add the notification system, then allow for 1 day of bankruptcy, not 4 million years

Your country IRL doesnt collapse to bankruptcy
IRL you go in loans and if u cant pay u collapse
Not immediately a sec after bankruptcy

"bankruptcy is just straight annoying" for who? For literally anyone that enjoys building decently large towns it's a godsend to have a nice cushion just in case something goes wrong, again, go play HCF if you want HCF.

@HumanError7
"Nation bonus is earned with sieges"
This is entirely wrong, nation bonus depends on number of nation members in your nation.

I very much agree with BigAmungus69's points. Incompetence/ignorance, and preventing malicious acts from getting very out of hand, are the 2 main reasons for bankruptcy. On the other hand however, I kind of agree that 1-man towns should not be able to survive too long, but even though there is a small debt cap for them, the town can exist for 5 days at a minimum (assuming no money in the bank at the moment of bankrupty, + debt cap, + ruin mode for 3 days). A more annoying thing is when the player in that 1 man town puts a lot of money in there and never logs on again haha, the town might even exist for more than a month.

Bankruptcy is not a significant issue there.