Ideas to make the game (realistically) challenging
My apologies if a similar topic already exists. All the existing and past "challenges" (a la rags to riches) make searching for such a topic rather difficult. As I find it boring just to play out ...
You can use the SNB mod for individual accounts and there are a couple of different mods (ATM or SimCity Loans) to allow credit or loans (good if you want to move out a sim or start a business etc.)