This is no longer necessary for versions of game Uni and up. That was an artifact of preUni when it was necessary to have a receiving controller to process the token. Uni allowed direct frobnication, making this unnecessary.
Ah, good to know.
Back on topic: I've gotten a lot of inspiration from JadeElliot's Isle of Thyme, but I simplify things. Her system is very complicated! Right now, I'm setting up my neighborhood as I go. The sims who will own businesses borrow from the "banker" sim if they don't have enough money to buy it outright. Everyone will own businesses or work for someone else. I haven't really used the business side of OFB much, so this will be interesting. Sims pay taxes to the mayor at the end of every season, which will be 10% of their net worth. Some of my sims are renting since they don't have enough to buy a house. I'm using a combination of Monique's Tenant/Landlord mod and her automatic payment mod. I can't get the landlord mod to make the payments, so the APM fills in there. I plan on using the regular college, but adding requirements, such as badges that need to be earned before graduation, etc. My ultimate goal is to make my sims more unique and not get bored playing the same types over and over again.