Yeah me too. Can anyone point to a non-hypothetical situation where this has been a problem. Banking seems like a fun idea. Why not let people hoard cash?
agreed.
in terms of gameplay i cannot see why saving large amounts of money is detrimental, some limitiation exist anyhow, so it is not possible to save too much without effort and investments.
for fun, if there are some slow and boring times, many will find their goal in saving money for troubles. that can enable some spectacular events once troubles start, which are not possible without lot of money - very large initial army recruitment, building of strong walls or militia, all that giving some sense to many weeks of money collection.
saving funds for hard times gives more timeline depth to the game, is it not one of unique game features...
if obstacles are to be implemented, than player-run obstacles would be much funnier - possibility for infils/any nobles to steal temple money, possibility to detect secret guildhouses etc.
i believe it can be detected by mere observing that wide-spread game mechanics hardships directly slow down all events, be it estate penalties, be it heave maintenance/taxing costs.