For me it seems kind of a trolling thread too (or too shallow) for it is not that simple imo. Ofc one can go after big money but in that time his kingdom he wishes to join is on few cities quite often, but workshops are terrible imo, most 0 income and are overpriced, and even when finally some workshop make money one raid stops that for long time.
I could imagine some investment in "neutral company" caravans so even in a war they should be relatively safe but from bandits, smithies could have trainers able for coin to teach a player some new "recipes" logically culturally thypical (Sturgians axes, Khergit lances, Aserai javelines etc, perhaps imperial armors).
Loot could be imo more reliable when in small amount but with huge inflation when big loot is being sold, perhaps "black market" at bandit places if not being attacked by a player.
Right now what I miss the most is export/import character for while I level up my char and get some skills, wealth and army my would be faction too often is very low in few years. While there might be some balance (hopefully in future) until then I would prefer to start fresh but with good char I exported.