How Does the DP Economy Work Nowadays?

Alright, in the three years I’ve abandoned DTP after leaving Terraria, I think it’s more or less easy to say that there’s been quite a bit of change in the bank system, total DP circulation, and the DP decay rate (along with metals giving a ton of DP, was that always a thing or do I have dementia). This is the current state of the economy:
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This is the state of the economy right before I dropped off a cliff in June of 2022:
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First things first, individuals own quite a bit more of the DP circulation nowadays than they used to, but there’s also a ton more DP in the banks in the first place. It’s also pretty easy to see that there’s much more significant wealth gaps even just in the top 5 nowadays, which (while obviously present in mid-2022) are much larger. I’m not an economist, nor am I up-to-date on the current workings of the DP Economy, and as such I would just like to know exactly how the economy works nowadays, how much the banks and DP circulation are regulated, and just how much has changed since I was the Musk of Dark Gaming.

Thanks to anybody who helps me out lol, it’s been a while.

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Camelot made a guide about this (I think after you go inactive) A Comprehensive Guide to the Trading System

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No that’s a guide to navigating DTP, not information on economy management.

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come on, I’m dumb

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