Ladies, please... Another example why economics and war is too much for a woman's mind. Good god we have them only serving our dishes and making babies.
Jokes aside I think that workshop restriction is good. I was making 3k a day in 1080 with full caravans, full workshops, 1 city, 99 unit best army and 2 full stacked parties. I had 270k and din't know what to do with the money. There's not really much you can do with it in the endgame. Maybe swaying lords to leave their liege or not to attack you.