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The change happens NEXT payday, not instantly, and roughly every 4 days after that when the merchants restock each 95 hours (instead of "standard" 1 week).
Of course there are other ways to get cash quickly - you could chase epidemics with a fairly large party and some talented healers, for easy money in the thousands per day (at a town). The sum is based on the center type (less for castles, less still for villages) and the raw size of your party, without caring as to their level or tier. It helps to have good party healing in all three healing categories, as these get summed to determine your effectiveness.
You can also try moving around to offload items at more places, especially iron or salt you picked up cheaply at either dwarves or orcs, depending where you prefer to spend time. A ship can help move quickly.
I don't really feel it is set wrong, standard diplomacy caps the merchants and you already have plenty of income possibilities, but you DO need to move around.
I kind of felt the same way about, until people complained a lot and I lost enthusiasm to mod at all. I tried modding Paradigm Worlds but got stuck and did not want to jump back and forth between multiple mods because each has their own flavor and quirks. Kind of of burnt out on Phantasy because Moddb doesn't approve my updates since it thinks Guspav owns the mod, nevermind that 65% of the line count came from me. However without Guspav it never would have been made, and it is always easier to modify something that originally worked (sort of) than write from scratch.
Right now the biggest hurdles facing Phantasy 2025 are a month of scene edits needed for the bigger map. Otherwise the NEXT biggest issue is the mount animations. Part of that I want to revert to native mount animations and I also need to add a test for dodge to skip the dodge check when the agent is mounted, as the cox dodge animation repaints the agent a few meters moved, which will cause sinking into the mount. But the Moddb flavor, which is to say the last one they felt like approving (and after 13 days delay probably because they could not find Guspav either) still has the "mount_stand" animations where the human is standing, and that DEFINITELY sinks into the mount, but I removed those for Steam Workshop, which is why I am really pissed when someone brings up a purely moddb problem on a steam board.
Kind of hate to fire up warband these days, but one day I'll get back into it. I've been throwing up off and on for weeks, maybe months now and it takes a lot out of me. But all of that was something I knew would come eventually. I'll get through it and eventually fix both mods. I do prefer Phantasy 2025 ("Chiaroscuro" steam workshop) over 2024, and 2024 over 2018, and any of the 2018s over 2014-early 2017. I consider 2024 superior scripting wise to many mods but inferior for graphics related things; normally those tasks are split to two different people but I don't HAVE two people.
Not trying to be down per se just telling you how I feel about it. There are probably hundreds of things just a little different from "stock" and in general modders are terrified to change lines, maybe because they don't really know what the lines do. I reckon I just want to not play the same damned mod endlessly so it endlessly mutates ;)