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You are right about almost all of that, but if you promise pay them money, you WILL pay them the money. It might not make sense that you're paying to someone who doesn't exist, but apparently their banker still collects for them...
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fsk+, you're correct. In 1.1, civs no longer pay you after they cease to exist.
Since I never give money to other civs, I have no idea whether or not humans are forced to keep paying a non-existent civ....
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