As usual, I agree with both suggestions.
We definitely need more ways to spend family gold. That is without doubt and should be the highest priority than taking away a toy.
However, considering BM's long history of 10k family gold and the absolute ease it is to acquire family wealth with barely any effort, I think a tax rate on gold over 10k seems alright. I wouldn't make it a flat tax rate though, but make each realm allowed to set it at two percents like the old property/wealth taxes. Bankers or rulers would seem like likely candidates for such an option being available to them. Then, realms can compete by offering different tax schemes, allowing wealthier families to boost realm income or allowing families to increase their wealth for the families use, as that realm preferred. There should probably be a minimum tax rate set to prevent realms from preventing their wealthy families from being taxed however.
