I suggest the following:
The number of enemies a player can kill in a single turn should depend on their Strength stat.
The number of times a player can dodge, block with a shield, etc., in a fight with an enemy should depend on their Agility stat.
The number of spells a player can cast in a single turn should depend on their Intelligence stat.
We can further improve the system by adding new stats to the game.
Instead of penalizing players with money for violating any rules or norms of the game (which is, in my opinion, too simplistic), we could create a situation that harms them, but which they cannot do anything about. For example: "After killing fifteen enemies with a single attack, you, a player with a Strength stat of 3, continue on your way, but suddenly an arrow flies at you from the forest (-30 HP), and a sly voice says: 'You shouldn't have cheated!'"
For repeated violations, the arrow could be poisoned (-2 HP per turn).