or it could be loading a different save file, cloud maybe?
You could also make the game harder by changing the values of “lvl1BankcruptWarning”, “lvl2BankcruptWarning” and “lvl3BankcruptWarning” to “true” for new games if pirate mode doesn’t do the trick.
Edit: Not true, changing “bailoutPaybackTime” value to 0.0 and “bailoutOffered” to true will do the job instead.
I thought these Level Warnings were to warn players about them being in debt.
Seems like i this point it eould be easy just to play the right way.