I'm looking for a compromise between what would be ideal for me, and what would be ideal for you.
Here in another idea to discuss. what do you think about getting 10% (maybe 20%) of town gold income when you occupy a town?
If people don't want to fight you they will loose 10% of their gold income, especially if they go in gold mode.
The attacker would need to maintain the occupation, which costs gold, so it would be harder to steal from person who is actively resisting.
If players keep their towns undefended (plus having no resources over safe limit, that you could pillage and punish them that way) you could occupy them with light force for couple of hours (overnight) and you will earn your gold back.
You could still somewhat punish people who leech from your miracle.
If player has already collected a lot of gold he would be able to keep it safe.
This change would in my opinion punish people that go in gold mode, refusing to fight, while leaving the normal players less affected