i know why ConcernedApe chose to have have shared money pool because, most people want to play cooperatively, but that kinda ruins it for people who want to play competitively. therefor i suggest that you add an option to choose between shared and seperate money pool between players.
If you want to play competitively, IMO, it makes the most sense to just stick to single player files. Why share a farm if you want to compete? Also, maybe check the threads before you post. Someone else suggested this recently, as well.