Interest should be removed.
Now don't get me wrong, it helps loners ALOT, but it hurts them more than helps them because they cannot walk into a town without getting raped by 5 mutants, also the human merc prices are so inflated, no new player without help of huge gang (btw he would have to be very lucky) because for example....
rocketlaunchers are 27k caps (holy shit mutant price anyone???), lsw are 17k, minigun 18k caps...
Cheapest normal small gunis 6k, then 8k?, 10k?
Melee has prolly gotten the worst of it, white metal armor are inflated to 18-20k caps.
Only buyable mercs for newbies would be punk and black, and they're hardly worth the price.. 2-2.2k.
Inflation from tc bug + Interest in banks = current situation.
So question is really, get rid of mutants, or get rid of interest in banks?
Militia:
Militia is fine, gang easily wipes them out without much a problem, its when you get spammed from all sides with mercs and militia COMBINED! it becomes fugging impossible.