It's a very creative idea. I also think it's one of those cases where player ingenuity runs ahead of dev foresight. It seems like an important part of the trade system is the idea that merchants have to place themselves in some kind of jeopardy, to ah, venture their capital so to speak in the course of their business. That idea is bolstered by the fact that they "make enemies" and become more prone to assassination.
Relatedly, is it possible to group a merchant with an army, station them both on a resource and gain trade income? If so, it might have a similar "protection" effect for the merchant(s), though presumably an army would irk rival factions more so than a fort. (are they irked by forts?)
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