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Yeah, I don't see the point of this limitation. If a player wants to keep a huge amount of monarch points to invest in an advanced tech, he should be able to do so.
Not at all, you get bonuses for neighbours so if you bump up extremely fast in one tech you're going to snowball everybody else. The limit keeps people out of doing pretty foolish things. The best thing to do is plan unlocking new Idea groups where you can dump a lot of spare points to coincide with a good-in-the-stat ruler.
You need to check your tech cost modifiers which you can see if you move your mouse over the tech button instead of the progressbar. There are a lot of new mechanics since this thread was created 11 years ago.
Had to do a double take when I saw the date of the original post lmao
Like grotaclas said hover of the tech modifiers to see a more detailes breakdown of the costs. My guess is decadence.