By "late game," I mean a prolonged game... initially, there's not enough money to build up an army, but this is temporary... once we deal with the buildings, we start having enough money for everything, and then it's like a snowball effect... a bigger army -> we attack neutrals more often -> the army grows even more -> we attack neutrals even more often -> the hero's level increases -> dark energy increases, and so on, all in order to capture mines, gold, and so on... considering that the mines provide resources that are no longer needed. We can sell them and use the money to buy creature upgrades and save some for a rainy day)))))))) Well, and the longer we prolong the game, the bigger the snowball effect becomes.

Yes, I always have enough money to develop the economy and buy troops, or I just buy Vampire Specters and Skeleton Archers, and I'll buy Liches later in the week! I play on Veteran or Hero difficulty (there are some minor problems, but still). Summoning magic isn't very useful in my opinion, because the Ring of Teleportation appeared, and it causes a lot of trouble!