I am definitely still adjusting the economy, my initial debt was 50,000, but at that point the interest is higher than mission payouts. I can refactor most aspects of the economy with a single change, so I'm taking my time figuring out a debt amount that is oppressive but not impossible. I see what you mean about the upgrades, there was definitely pricing in the menu, but I must have reverted that accidentally. I will hotfix that immediately.
The best idea I have right now for agency is to offer 4 jobs in the bar, 1 for each category. I will also need to refactor the balance of mission payouts in that case.
Edit: hotfix implemented:

