no. if as a lord you think your knight just piss their gold away, feel free to boot them from their estate.
no estate, no gold for knights.
Such way of thinking and acting is even greater problem then pure (unrealized) threatening people including time aspect.
It is sad that Lords are often forced to resort to exact that solution in attempt to maintain sattisfied level of organization and to avoid any risk of beeing accused for violating IR.
But I dislike that solution because such acting is ruining many other parts of the game:
- knights could simply want to be demilitarized and to hang for some time in one region e.g. to study in academy
- they need gold for it
If Lords are cutting the coin purse to Knights simply because they estimate knights are wasting their gold and if they give the gold only under condition that it will be spent on the benefit of the realm (recruiting, paying men, moving), such acting would completely ruin some parts of the game.
That way knights are stoping to be free nobles but are starting to be puppies of Lords under a threat that they will lose their income.
Unfortunately, IR interpretation like is presented here is forcing Lords to do exactly what you said - and that is why I pointed that such interpretation of IR is ruining many interesting aspects of the game.