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They (any police or mercs or pirates) can only tax/fine/bouny you over lvl 40, so when yu're newbie, you're protected by being killed for RolePlay situations. No, (it doesn't take ages to make 1 mill) it takes 10 minuts to have 10 millions, if you know exactly what to do... or else, it takes 10 mins to have 1 mill with a noob freighter trading somewhere in NY.