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This is my current money situation. Also have about 20 million silver in the bank. Should I stop spending pirate coins and only use silver? Should I make the pirate coins worth more than 10 silver, or should I try to make them cheaper? And of course, merchants occasionally come and ask to exchange more than 400,000 pirate coins, which is very expensive.

Use only Silver Coins. Printing to much Pirate Coins will reduce profit because of the merchants demanding excahnge. I personally print less than 20.000 Pirate coins. They are usefull to upgrade the Ship early on.

Thanks for clearing up my doubts. I was just thinking about how merchants are demanding more money than I'm getting in return for using the pirate coins