Fam621, you might find a 'house rule' that I made for myself helpful: I always start railway 'companies' (players) with 10,000,000 Simucredits, but in my mind I count that as being 0 Simucredits. I can never make rail lines make a profit either: buses break even, ships & canals make money, but railways always lose money. However, the interest I make on the cash pile outweighs the losses on a reasonable-sized railway, and I have played a game for several (real life) years in this way.