smuggling is just another very poor and absurd easy way of making money. Buy stuff from colony A -> go tavern in colony B -> chat with smuggler and soldier -> go to the shore -> make gigantic income. Repeat as much as you want and you are a millioner so now any gold reward from quests, finding a treasures, doing export/import trades, selling personal items no longer have any sense coz you just got unlimited amount of money... Same stupid stuff with merchant cargo quests...
Thanks for you suggestion! So – my way of making easy money is this. I spoke to the intro tutorial character from the beginning of the game (Harold?) and he told me I should sell gold in Martinique because it fetches at a good price. I kept this in mind for literally the entire duration of the game, came back, and found his dialogue actually updates! Turns out gold was still very much in. Bought large quantities of it for 800gp a piece from Speightstown, sailed to Octopus Bay, walked to St. Pierre, and sold the cargo. Note: upgrading the merchant-related abilities helped me earn a pretty penny. I quickly learned that there's a ramp to how much profit you will actually make when trading. If the starting price is 700gp a piece, and you buy a thousand, by the time you end the purchase, the price will have gone up to something like 1000gp per unit. Same with selling – you get less and less gold per sale at the destination. Helpful to keep in mind.
While I'm rambling – I went ahead and gave a ton of my gp to the loan shark, who gives me 11% interest (I WISH I could get that interest on my $$$ in real life) per month. In the meantime, I'm sailing, sinking ships, climbing ranks, and kicking ass. Once in a while I check back in, and happily watch my money climb. At the moment it's roughly 10 million. I don't know how much that ultimately is in the overall world of the game, but it seems one needs more and more money with crew maintenance and everything.
Last thing: the coolest thing to have happened so far is this. I sailed off the shore of Port Royale, and found a convoy of Spanish or maybe French ships. Anyway, convoy was lead by a warship with excellent morale and decently-sized crew, followed by four fast merchant ships with a depressing amount of morale, and maybe one more warship at the end. Sunk the headline ship right off the bat, circled around the merchant ships and fired with grapeshot until crews were decimated. Two of the merchant ships surrendered, one escaped (because of the Land Ahoy announcement, the ship disappeared when loading screen was over). Anyway, the PRIZE ship happened to have 3082 gold on it! :O Wow! What booty! 69! Did my gold run in St. Pierre, and earned a tidy 3.5 million.
I think this is what I most like about the game and mod – you have a multitude of options on how to make money, engage in battle, or what or what not to do. Definitely unique stuff like this makes me think of other games like Dwarf Fortress, where specificity is king, and each player's stories are
ridiculously one of a kind. That part is pretty neat. Thanks for reading if you made it this far.