'Ever get tired of EU' signature caught my eye!
That is the game I left to play this one...
As for your point,
yep, I think as some of the cash crops work on a 2-year cycle, so should the treasury.
Not least that if the tobacco crop takes 2 years to mature, you are actually paying the cigar factory workers on the 'idle' year.
The allowable deficit before the world bank steps in should be equal to the previous years profit. (I have noticed that mining also strangely seems to follow this pattern, albeit with higher and lower profits!