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I don't know what a "wallet" is. I meant the magistrate and something before it, I don't remember what it's called in Heroes 3. I've played all the Heroes games (1, 2, 3, 4, 5) on impossible difficulty. And it costs not 17500, but somewhere around 2500 + 5000, and the Capitol can be built later, after the troops. ... Sincerely.
A "wallet" refers to buildings that generate income. 2500 + 5000 + 10000 (Capitol) – that's 17500. You didn't mention that you build the Capitol after the troops. For example, I only build the 2500 building when I know that it's extra money and it won't be needed tomorrow (because it will only return in 5 days).