Hey, thanks for the feedback! It really helps me polish the game. About the hubs they are actually designed to save you a lot of money. Shipping goods to a hub is now 80% cheaper than manual restocks or sending trucks directly to markets. To make this clearer, I’ve added an 'Expense Report' to the dashboard so you can track exactly how much you're saving.
For the bank, you’re totally right about the limit. I just patched it so that once you unlock all the markets, your credit limit will scale up as you earn more money. This way, the bank stays relevant even when things start costing millions.
And the IPO is a prestige mechanic. Those 293 shares you earned are meant to be spent in the 'Portfolio' app. You can buy permanent assets there that make your next run much faster and more profitable.
Thanks for sticking with the project!