When I work for a temp agency, I don't let them keep almost all of the money that I earn. Right now, under ideal conditions, an unskilled worker will earn 60 gold in a month and receive only 5. Under the worst conditions I've seen, an unskilled worker can earn 24 gold in a month and receive only 5. I can pimp for myself, thank you. However, it's important to note that this is only an argument about the realism of the plan.
Determinism is a nice thing.
If I don't know if I am going to succeed in forming a new unit, I have to plan a turn in advance. The more things like that you have in Olympia, the slower the game goes. You wouldn't want everything to become deterministic, but some balance is nice.