Tactics for the Stronghold.

Only very weak players build money structures at the beginning, and by doing so, you will constantly lose even to average players. Even at 200% difficulty, you shouldn't build more than a Town Hall, and if this building hinders your gameplay (resulting in not being able to buy a hero for a quest or an army to break through), then you can do without it. It's worth building finances in a captured neutral town or village in the first week (and even then, there are many nuances; sometimes it's better to abandon building your main Castle and switch to building units in the neutral town if, for example, this Castle is much stronger than yours, if it has external creature spawns, etc.). If you have a lot of money and have managed to accumulate it, then you can immediately build troops in both Castles, or sometimes it makes sense to build magic immediately in a newly captured secondary Castle.
Why do only weak players build money structures at the beginning? Because good players immediately build an army, buy it, and use it to take money and resources from various monsters (including destroying (capturing) such money-generating structures in the early days of the game, like Necropolises, Imps, and sometimes even Dwarven Mines). They also buy many heroes (sometimes up to 8 in the first days of the game), and they rush in different directions to scout and collect free money and resources, and some of them are used for efficient quest chains. As a result, in this way, you may have even more money by the end of the week than a player who focused on finances and bought only two heroes, but at the same time, you will have already significantly leveled up your main hero, conducted extensive reconnaissance of the territory, which will allow you to know exactly where to go at the beginning of the second week, and at the beginning of the next week, you will be able to buy reinforcements and either go to kill the opponent or increase your combat power, while your opponent will only start building an army in the second week (and you will still get more money in the second week by destroying structures like Naga Banks, Medusa Lairs with your leveled-up hero and purchased army, and managing to collect some free resources much earlier than your opponent due to the larger number of heroes).

Why do only weak players build money structures at the beginning? Because good players immediately build an army, buy it.