As it stands now, bankruptcy has some material effects and some player-busy-work effects. It seems like it would be fairly easy to keep the material effects and do away with the busy work.
To wit:
1) currently bankruptcy cancels your building queue completely. In addition to losing progress on buildings, you lose the queued buildings.
Suggestion: that you just have it remove progress and leave the queue untouched; if you wish to cancel your buildings you can always do so anyhow, and it also automatically stops your construction, so there's really no call to cancel the list. Simply set the partially-done buildings to 0 progress and leave it as is.
2) currently bankruptcy sets all your institutions to 1. If you are already working toward a level of an institution (say, trying to get education from 2 to 3), it continues towards your original goal (in this case 3). But if it's set at a stable level, like 4 and staying at 4, it resets to 1 and stays at 1.
Suggestion: that in cases where you have a stable level (like, 4 education), it treats that as a goal, and immediately tries to scale up to where you had it before.
In both of these cases it's just one extra thing to remember to do after a bankruptcy; it isn't that likely that you're going to decide to completely kill your queue of buildings or completely start from scratch institution-wise, so the current system amounts to busy work for the player (and frustrating for those of us with ADHD who readily forget to do one of a list of a things). And there's nothing preventing a player from canceling their build queue or changing institution levels themselves - but the most likely outcome is that they'll want pretty much the same buildings they were building before bankruptcy, and pretty near the same institutions they had.
To wit:
1) currently bankruptcy cancels your building queue completely. In addition to losing progress on buildings, you lose the queued buildings.
Suggestion: that you just have it remove progress and leave the queue untouched; if you wish to cancel your buildings you can always do so anyhow, and it also automatically stops your construction, so there's really no call to cancel the list. Simply set the partially-done buildings to 0 progress and leave it as is.
2) currently bankruptcy sets all your institutions to 1. If you are already working toward a level of an institution (say, trying to get education from 2 to 3), it continues towards your original goal (in this case 3). But if it's set at a stable level, like 4 and staying at 4, it resets to 1 and stays at 1.
Suggestion: that in cases where you have a stable level (like, 4 education), it treats that as a goal, and immediately tries to scale up to where you had it before.
In both of these cases it's just one extra thing to remember to do after a bankruptcy; it isn't that likely that you're going to decide to completely kill your queue of buildings or completely start from scratch institution-wise, so the current system amounts to busy work for the player (and frustrating for those of us with ADHD who readily forget to do one of a list of a things). And there's nothing preventing a player from canceling their build queue or changing institution levels themselves - but the most likely outcome is that they'll want pretty much the same buildings they were building before bankruptcy, and pretty near the same institutions they had.