Why are the advanced settings so limited? e.g. Inflation and Initial Loans

[JustMoreMemes]

Why is inflation maxed out at 4%? Why is the minimum loan £100,000? It’s limits like these that seem unnecessary and I’d like to suggest that they get changed. Love the game BTW.

[Baldy's Boss]

I'd like to see varying rates,where a company with a better track record and more collateral can get better loan terms.