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Eiyal--
This thread isn't about the bank /gold/debt problem, but if u read the title,  it's about the recent new changes.  
For example:

No more 24/day;  Now there's   6h time slots.  

Suppose you need to make a tool  (or cook or craft or ...)   ALL tools take less than 6h. (even weapons/armor)   [6h NOW = 1 time period!]  

So rest of time is wasted  [FORCED]
Same thing if someone is traveling---anything over or under is wasted/lost

New time sys is definitely a step *BACKWARD!*

BTW all old strategies used the old rule---including 1 DATE/day, & 24h time slots.   (etc)

*TIME* affects EVERYTHING  (at least until CW----disclaimer--haven't tried Act II) ----so just b/c something worked b4 doesn't mean it'll work now.  
Actually I'm finding a lot doesn't work good.   Example :  You can "Que"  upgrades---but not much else.    (can't do   "travel to XXX  & start doing YYY" -->>  All in 1 6h block!)