"I'm just wondering who exactly these games were targeted at. Certainly not me."
They're targeted at me and others. I really suck at FPS and frankly, just don't see the point of most of them, let alone why they are so popular.
"my bigest problem with Galciv is always money."
Taking the advice from earlier posts as read, which offer interesting insights for winning your first games, you've hit on something i hit on too.
I found Money is the main difficulty to overcome in GalCiv2 actually. You somehow need to run your economy, with little income, until the majority of your planets have > 3 billion population. Once you reach that point, you'll probably be close to, or making money and can maximize the strategy of your choice. You can make money other ways, but they are harder and more complex. Economic buildings are handy, but not absolutely necessary immediately, especially if you have taken economic/morale bonuses.
So, knowing that i've tried to get as many worlds with 3+ billion as quickly as possible. 3+billion is a rough estimate of when a planet can support itself, assuming it's not too built up. Somewhere, somehow, in many games i will hit a point where i just can't afford everything i'm trying to achieve anymore, don't have anything left to trade, the AI has no money to offer where i can trade and i get stuck. If you're playing near your limit, this should probably always happen at some point. Probably after 6 months, but less than a year. The trick is... to have your population and thereby your economy, be growing sufficently before that point that it can Quickly take over and make you profitable by suddenly screwing them for tax & lowering production total for a short time (going broke = 0% production).
In my first game this was because i had spend and built too much, so was costing myself to much, before my population could build up. It's really tempting to overdo it at the start. At lower levels there is no need to run a defecit. If you are running a loss at those levels, just stop and build an economy building until no longer losing money. At higher levels you Will need to spend more than you can earn to win and so run a defecit, but overall i know for the first 6 months / 10 planets i can't run much higher than -200 for very long and not more than -100 at the start. To achieve even that i have to sell practically everything to the AI for mostly rock bottom prices. If you run a much greater deficit (-500+) for more than a short time, you will go broke and likely worse - even lose money whilst already broke and at 0% production. This generally only happens if you have too many leases and not enough population, or have concentrated to much on the expensive industrial/research buildings and ignored the balancing enonomic ones. Knowing that i altered my strategy to initially have 100% approval at almost all times, this really boosts your population growth, even without bonuses. Obviously bonuses help, but arn't strictly necessary on Population. In the end population will Cap at probably under 20 billion (16 billion, 2 xeno farms, is a good aim point). However, population bonuses will mean your empire becomes profitable that much faster, this makes aphrodisiac something to consider buying (long term lease) as within a few turns the extra population generated will pay for the lease.
Oh i guess that Basic Factories and Basic labs are better for large planets near the start, because they cost less - they only really cost space & actual weekly expenditure. Once you're broke, they cost 0/1 maintainance only. Upgrade them later to something decent. Someone correct me if my guess is wrong.