Wicc
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Why did you develop my idea so little? Let's finish it – play with only one hero and only with native troops, don't capture any objects at all, not even mines and dungeons, don't use any artifacts, don't visit level-up locations, etc., etc. :D :D :D
Mines, dungeons, and level-up locations are, using your analogy, coins worth 1-5 rubles. Let them exist.
But nagabanks, yes, those should also be banned. By the way, when playing according to Polish rules, the most critical thing is the number and size of available nagabanks. Because that's where you get the money to build a second castle.