Forgive me if I'm being ignorant, but won't this just make it even more expensive to rule up holdings? As a guilder, that does account for quite a lot of my actions, especially since I'm a non-landed guilder. So basically that will limit my actions even more, if I wish to expand my holdings. My first impression of this is that I can either sit with what I have now and have money to do other actions (which will also be more expensive), or decide to play the rule-up game (until the coffers run dry) and do nothing else.
Yes I'm putting it a bit strong, and I do understand some of your arguments for doing this, but it does at least hit (some of) the guilders quite hard.