For my two cents, I dont want the game to get harder economically. For one, with certain nations, the economy is just right.I do agree that with more trade oriented countries like GB and France you can rake in a lot of money, but to me money just means more action because I can afford to start more trouble. That being said, I think the game will be a lot more challenging if they just fix some of the issues it currently has instead of making things more difficult. For instance, if countries start to ship troops across water and perform some naval invasions, that in itself makes the game harder, and makes me spend more on troops to guard my cities and navies to guard my coasts, which makes it more difficult for me to rake in the extra money. Instead of limiting how much money we can make, just increase how much money AI countries can make. Then improve code so the AI uses this money to build proper armies and attack by sea sometimes. If the AI has good troops and can get those troops to my territories, then I will find plenty of use for the money I currently can make.
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