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What City Building Games Teach About Financing Public Infrastructure

City building games ask players to do something real municipalities struggle with every year: decide which roads, pipes, and power lines get built now, which wait, and how the bill gets paid without bankrupting everything else.

CWCallum WhitfieldOct 11, 2026Games
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A city building game interface showing a new road and utility line under construction

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Three people who have sat on different sides of a funding decision: a former underwriter who spent a decade deciding which loan applications got approved, a small business owner who has borrowed through a term loan, two lines of credit, and one merchant cash advance she still warns people about, and a bookkeeper who sees a client's cash flow problems months before the owner does. Every article carries a byline, and nothing runs that the writer has not actually dealt with.

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