DM:
OOC - Building a Small wall around two districts will cost 4bp - around three will cost 5 bp.
as for Building beans - I might not have expressed myself well. A single bean per building ....
BUT - you could use beans to 'subsidise' the park, wall and Orphanage - and save 1.5 bp towards the next round of building.
We could actually use the beans to subsidise a lot of individual buildings (eg. the Roths' inn, monastic house, library, orphanage, Abadar's temple, V&A's merchant house and warehouse, Kendrick's shop, etc.) on condition that the owners donate the saved 0.5bp each towards the city wall. The 1bp for a district wall might be better spent as a contribution to that city wall. Putting it all together we can probably turn say 8 of those beans plus 1bp for the district wall into the 5bp needed to build the wall around 3 districts straight away. (And still have 2 beans left for next time.)
To me defence seems like it should be the first priority, especially where we are located as the frontier settlement between Brevoy and the River Kingdoms. The Stag Lord's base was Fort Stag. Ringbridge started as the 'Orcy Ring', which was a wooden palisade around a hill with a lookout tower on top. Hunter's Rest has surrounded itself with an earth wall and trench full of briars (or something like that, thanks to Zorah the druid).
There is not much sense having all these fine businesses, churches and civic facilities in Tusk Town if a single raid up the river from the River Kingdoms could torch the whole lot overnight while most of us are away exploring the surrounding countryside.
I am not quite sure what that does to the balance of economy / loyalty / stability but I suspect it will balance out quite well and hopefully accommodate Kendrick's shop as well.