No Graduation in Difficulty!

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The overall difficulty does seem a little ridiculous now.

As GB I can only afford one fully army.
I lost Moose Factory because I can't afford to garrison it.
I've had to disband almost all garrison units except one in each city and most of my navy, in order to not go bakrupt.
It costs somewhere around ~2000 to replenish an army after it's been in a tough battle.

On top of all of this, the Natives are waaaaay too aggressive now. Cherokee are running around with way more troops than they should even be able to support. I got a stack to North America as fast as I could and half the 13 C's territory was already wiped out. Only like 7 turns in, when I set foot on NA, the Cherokee had their starting territory, plus Florida, Georgia, the Carolinas, and Virginia. Iroquois took New York. Then on the other hand, the 13 C's do absolutely nothing, it's almost like they don't have A.I. at all.

I didn't mind because I was fixing to start a new campaign on a lower difficulty so I could actually have some money and troops to work with, but if there actually isn't any graduation in difficulty like you say, then this is starting to suck. The patch notes said there should be.