Ash is right. This kind of game is not about fighting battles or commanding armies, it's about roleplaying and interacting with your fellow players. If we just shower everyone with gold, that would be completely counter-productive to this goal, as the incentive to work together and to gain other people's favour would drop drastically. You can already if you want to build up an army of private units as is, either by making an army like the example you gave, or by saving up and then accepting monetary losses. Or better yet you can pool your resources with someone else and come to an agreement about a co-owned army or something like that.
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