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Get rid of the $4 credit for last place in a division. That is one of the most absurd awards of any game I have ever played. I never seen a game that awards someone more for taking 4th place compared to 2nd place.
For private worlds give owners a dropdown menu for the commish so he can set when this rule should kick in. example, 0,45, 50, 55, 60, 65, or 160.....This gives worlds the option to ignore the feature, or even allow worlds to make it so no one can transfer cash to prospects.