Yes. I've played with it. I don't like it because the tracks are all right angles and no diagonals. I've ran out on Linux. I'm sure it one has invested time there is good play. Simutrans I've played with since 2007. You can play it on an old laptop or a high end system based on the module choice.

I really think the money thing would be killer if you had a lightning wallet imbedded. You could also have a game where you set up a channel between players and settle by sending sats back and forth.

I remember a Twitter post where a guy did that with his children by playing monopoly.

If openttd has a financial element then a sats play may be implemented also.