I believe that making money in Bannerlord is far too simple. With so many trade caravans running rampant, it's easy for even a capable novice to rake in coin by taking advantage of the opportune economic climate - a situation which should be more closely monitored to ensure that it remains balanced and fair. It may be necessary to make some adjustments to the current system if we are to stop those who wish to exploit this feature and hoard wealth beyond what is deemed acceptable.
weak argument for it does not reflect the root of the problem:
making money in the game's too narrow, there's only 1 path to do so efficiently, and said path blocks alternative playstyles completely killing roleplaying and consequently destroying replayability and "fun-factor" due to lack of variety.
In fact, the lack of variety's what hurts the game the most, perks are fashioned in a way that there are clear "Best in Slot" choices vs "useless" "useless 4 player" "useless 4 companion" and "gimmick". - If we were to have perk trees (which they've shoehorned upon us) said system needed to be either as vast and complex as what we see in Path of Exile (that because we're talking about an open-world sandbox game primarily dependent on customazation depth / player control), or at bare minimum, structured under a proto-classes system where perks complement each other and branch into logical differences between class archetypes. We got, instead, this ridiculous thing that hurts the gameplay and can completely ruin the experience of playing the game.
Anyway, I've detracted hardcore there, thing is that caravans and workshops which would fill a trader playstyle are utterly useless vs battle looting, even "slavery" (not sure we can call it that, but it is what it is on the "ransom" thingy) doesn't even cover a fraction of profits made through equipment looting and selling from battles. The game lacks any source of viable steady income, instead relying on loot caravaneer tactics. This destroys pacifist playstyles or playstyles that avoid nobility or focus on "helping the people" (mercenary that goes questing) True caravaneer, burgoise capitalist with caravans and workshops, etc are all invalidated by the game's rigged system and overtime they tend to also affect negatively when you go for the primary and "only" supported playstyle which's forming a kingdom / being a vassal and owning lands. That because you can only really finance all upgrades and expenses through, again, vulturing loot from battles and spreading those across towns.
BL should've gone in a totally different direction where all playstyles would be viable and fun, it should've also adopted the "castle settlement" system seen in WIth Fire and Sword WB's spinoff expansion, where castles are economically useful and viable. As is, owning one sucks as much as it did back in WB vanilla, and more often than not it hurts character's economy instead of being a "good thing".
So in sum, no, it's not "too easy", it's just boring, as such increasing difficulty on that regard would only make the game even more boring, borderline unplayable.