they can always cap gold at 1mil after wipe and let you keep the leadership thats the 2 major exploits im aware of that have happened. People cheating gold in and exploiting AI and acquiring crazy stats except leadership.
I don't think that would be a problem, even if we will have banditry, bandits will be hunted by factions and wont be able to enter towns normally like SP id assume.
If they wipe they will loose a lot of veteran players they can do a partial army wipe which most wont mind as long as long as we get to keep out gold and items. We all started as farmers, when I started I had to use a pichfork on the old workhorse. Now a lot of players have it much easier since...