When you don't build the farm infrastructure with debt and don't buy the animals with credit, your dead money turns into a thing that's accruing actual value. If you're careful about how you make your farm work, its productivity grows exponentially. It's actual interest, not usury. You can preserve the productivity of the soil, and improve the productivity of the soil year over year.
It's actually fairly difficult and time intensive to convert the monopoly money to things that are in that category though. It'd be very easy to squander it. Many of the key farming tools, like a tractor, can be heinously expensive. If the farm grows inorganically and haphazardly, those assets won't be productive or useful.
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