For those that haven't realised the nature of the change yet:
The idea is that factions can't use all of their S&D alone and will have to rely on external traders to create money. Of course it's not working yet, because most factions still have depleted S&D in their fiefs. Once the S&D is growing larger and larger, and clans can't convert it into money by themselves any more, the free traders will become very important, and so will a competitive tax setting. If it still doesn't work, I'll have to increase the limitation until it does.
That the previous system was clearly broken (most factions blocking all foreign traders, creating a huge amount of money with single route caravans) didn't seem to bother most, because for many of you it seems more important to have a way to get quick money than to have good gameplay.
Of course it's unrealistic, but it doesn't matter, it's better gameplay.