psugar, thanks for helping us out despite our "jumping the gun"

Copying the entire GameInfo folder to the Mod directory gives the same behavior for me (no crash, but also no modded effect). The same mod made to the "real" gameplay.constants file in ProgramFiles/... will work correctly.
My test was modifying line 414 of gameplay.constants from:
413 gameSpeedData-Normal
414 incomeGameSpeedScalar 0.15
to:
413 gameSpeedData-Normal
414 incomeGameSpeedScalar 0.95
(obviously the line numbers are not in the actual file)
Without mods, initial credit income on the default single player start (normal speed everything, small random map, 1 TEC human player, 1 AI) is 10.1/sec; with the mod in the ProgramFiles/... version of the gameplay.constants file the value is 17ish (I think 17.6/sec). With the mod in the Mods folder that shows up on the Mods UI in-game (and yes, I made very sure that I enabled the mod, it darkens the screen for about 10 seconds and then releases, showing the mod as enabled with a checksum), it's still 10.1/sec.
Is there additional information I can supply that would be helpful?
Thanks,
Keith
Edit: and the technical explanation of the "have to copy the whole gameInfo folder to the Mods directory" would be interesting from a curiosity standpoint, but unless there's some way I could change y'all's mind on that design decision, it'd just be for kicks.