On the contrary. A company or goverment hoarding cash will suffer consequences,,be it stockholders demanding larger payouts or paxpayers demanding that the cash is spent on inprovements that while giving the citizens an easier life doesn't improve the goverment's income. |
consequences are another thing (and would be the better solution as stated further below) - but RL govs. still don't have a cap (except maybe some floating point number overrun bug in accounting systems)
(but then i guess RL governments would be lucky to get a positive balance anyway - like clintons black zero !)
lets stick to game terms:
as a galactic ruler (you know stalin-style

i don't have stockholders ! (no, voters don't count - they are sheep like in rl)
my taxpayers in dictatorship gov. are only resources to be used as - btw. exactly as in the manual written - tax-base and soldiers !
and even going the nice republican route the player is the single entity in total control - and if making all planets approval does not prevent me to make zillions of credits then change the maint. cost of happiness-increasing-building.
The more reasonable way to place a limit on cash "hoarding" would be to use things like the good ol' SM civ used to have (as rockoon already mentioned) : corruption, management waste, population demands, and civil unrests if not met, not to mention a possible spy-op to reduce cash-levels
or the far better solution : a real competitive AI that challenges you to decide either to run debts to defend vs. annihilation or dying rich in the not so far future
An unimaginative hard coded cap is the solution of (i am forced to say : "Anfänger")
...Or at least make the cap just a 32bit number

iven what a hassle ZBB is IRL, I can only imagine that a good AI would need Octo-Core processors to handle it |
Me thinks that an AI would be better handling ZBB, cause it has a simpler solution to get to a goal without "thinking" about past experience and past budgets - but in a strategic environment this could lead rather to erratic behaviour if the decision making process is done every turn.
Since iam not an ai-programmer i just post the question if AI could work like the chinese gov. : making a 5year plan and executing it ?