Christian, the money vs realism thing is a returning subject (and for a good reason).
Why it's not changed yet at this point is pretty well explained by Squishy here: https://mafiareturns.com/comm/thread/863398#12613555

Steel, maybe try to think positive. If you have some ideas that you think will benefit the game when implemented, bring that idea to the suggestions forum. Explaining the proposed mechanics and why you think it's a good idea to implement.

The things now work as they do for a reason, a balance between pro's and con's that's beneficial for majority of the player base.
Taking into account the character of the game, for any idea you have, review whether it fits the game and whether the current state of how that particular thing now works downgrades just your personal experience or that of the majority. For example never dying sleeper accounts, so people can peek in once in a while, have no benefit for the community, but just for that one person.

Also, it's easier to stand up against the big guns if they don't have many bodyguards, but how fair/fun would it be if people couldn't protect the efforts they have invested into their accounts? As a result much more people would be dying at a higher frequency, first off all the big accounts. Them dying means no protection for the young accounts, so they can be killed quicker as well. That would just lead to more people wishing "they didn't have to create a new character every time they want to peek their head in."

These are just examples, but if you felt very strong about a certain topic, really think that through and if you can think of a change with a community wide benefit, propose it through the suggestions forum.

Switch consig and boss around it's a tiny little thing but the rank of boss should not be below consig

More of a realistic mafia structure subcrews and stuff but coded into the game. Capos would run little crews of Made men I don't think I can see it happening with how the game is set up.

Since we can't own casinos anymore why not protect them?

Up to 3 crews in their home city can have a stake in a casino kind of like in GTA SA with Caligula's Palace and how the Forelli Sindacco and Leone families each shared the casino with Ken Rosenberg acting as the middle man between them. Crew A controls 20% Crew B controls 30% and Crew C controls the remaining 50% of the casino. The crew that extorts the casino manager and really gets their hooks into him gets the most protection money at the end of the week.

If this were added to the game it would be interesting to see crews compete for control of the casino or sharing it with the other crews in the city. This also makes it easier because when casino's were player owned once a player died the casino went along with them with this if a CL dies that crew just loses their percentage of the casino. It wouldn't even be limited to the casino you could also have protection rackets for The docks, or the hotel, etc.

I wish there was a cap on the number of credits you can carry over to your next life and a cap on the number of credits you can transfer to other players in a 24 hour period.  Starting over with millions in cash puts a major slant on the game and encourages CLs to buy credits with their crew donations rather than investing in their family.