The thing is, you want the game to be more challenging for you. I for one really want to get my backside whooped in Medieval without having to make drastic changes. The vanilla is still very very good in MTW, and some small fixed will make it even better. So naturally I took the starting treasury and changed the values, and this greatly affected the game, and I'm surprised empires are expanding. Smaller factions are indeed wiped out, such as Aragon and Hungary, and even big ones like France.
It will be very interesting to see what happens when the Mongols come.
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