I think those ideas would give people a way bigger incentive to actually use their family gold and actually lose it for maybe no gain. Right now we've got so many people with almost maxed out or actually maxed out gold, which yes would give those people an advantage, but only until they've spent enough that they're equal with everybody else. It would force another bit of strategy to the game.
I don't think you get my beef with family gold and its usage for war purposes.
If player A has a city duke in realm A and another in realm B, and realm A is at war so he constantly pulls out family gold to help it, and his noble in realm B keeps funneling gold out to him to help him, then
1) The enemies of realm A can do absolutely nothing about what's going on in realm B (on another continent)
2) Realm B is deprived of a huge % of its wealth, and thus is greatly disincentivized from taking any risks, both passively by maintaining low war preparation indicators (mobile CS, RCs, other infrastructure, etc.), and actively by making the one of the most powerful nobles of that realm not WANT war because that player NEEDS that gold for his other character in another realm.
Allowing players to use family gold in wars increases anti-war inertia in the sponsoring realms. And it's really unfair to the players of the sponsoring realms because most of them probably have no clue about their peers funneling gold away from the realm.
If players had no way to stash their gold, then they'd end up having to spend it locally, or amass it locally. If they amass it locally, eventually when a crisis sparks up they might go "well, I've got 50 000 gold on hand if we really want to teach them a lesson", and if they just end up autopausing, that wealth goes back to the realm.
Though we probably don't really want players amassing 50k or more either, though, because that can also be kinda cheesy.
