OpenTTD's economics is fundamentally flawed, it's trivial to have billions of dollars before long, meaning you never have to worry about money again (although local authorities will still hassle you for too much demolition.) It would be nice to see the economic system revamped completely, but I don't think it's a high priority for anybody. I think most of the fun in the game is in the finer logistics of optimal rail networks, particularly junctions and switching, not so much the money management.
