I liked the government bailout you implemented to help me keep my head above water, that was quirky and fun, and worked well as an alarm that I need to recalibrate quickly. The disable tool you describe would definitely empower the player to start rethinking their choices over a longer recovery term. I like it.
Now that you mention your motivation for not adding a bulldoze, I like that too. It's probably just decades of playing other city builders that my brain automatically expects or even wants that ability. Could be an opportunity for some lore or flavor text to highlight that constraint as a feature.