Here is a longer excerpt from the opinion by Holmes:1
It is true, as indicated in the last cited case, that every exaction of money for an act is a discouragement to the extent of the payment required, but that which in its immediacy is a discouragement may be part of an encouragement when seen in its organic connection with the whole. Taxes are what we pay for civilized society, including the chance to insure.
Here’s a quote I stumbled across a couple decades ago.
I enjoyed Civ 5 but I never played the other ones except the OG. I trust that 2 - 4 and any ones they have released since 5 are decent as well.