balancing by nerf is always the worst choice, like it or not, the complaining is grounded, how people are complaining though is a different beast altogether.
Btw, this nerf doesn't even make sense given 90% of the correlated features are not even in the game yet, so we can't know for sure if it's really an issue. It is for the EA without stuff, the broken state of the game currently, later on this nerf could be harming, too harming. It already destroys early game options, you are forced into more narrow playstyles, which is bad on in itself. Losing a caravan at day gazillion trillion is one thing, losing your first caravan when you've just went bankrupt sitting on 200 gold is another thing. So if it makes less money, and can get wrecked fast, it's a trap for early-game, consequently narrowing the playstyle options. In fact, it's already narrowed by the simple fact that Companions available may or may not have trading skills at the beginning, if you roll without a single one, you are already stuck and will be forced to level up clan to get the next tier spawn... If you are really unlucky, you may even not find a single ****er who can trade for the entirety of the playthrough.
Which reminds me of another point: too much RNG, this needs to change ASAP....
EDITED PS:
Oh, and to me, allowing "cheaty" and "cheesy" gameplay is always better for testing. Give the players ground for their creativity and they'll find bugs and issues nobody could even imagine existed. Given those points, the nerf is double-stupid.