Finally got through the posts. First off let me ask, how much prozac are you guys on to not shout back at the surprisingly not many haters?

Jokes aside.. the stat cap thing seems silly, in the reducing stats back to default sense. When a sub goes out nobody would want to become useless to their town until they have money. People would be unable to do their town job for a week if short on cash. I imagine a big town where the butcher suddenly caps everything at q50 lol. Would perhaps stimulate the need for gametime tokens to keep your poor workers effective, but it seems like something odd to me. Might be nice once implemented but as it is it feeeeeels wrong.
Perhaps do something that was suggested earlier in the thread, and cap progression / slow progression once off subscription. Up the caps a bit to not make free players entirely useless, and then do :
0-80 100% growth rate for all.
80-150 70% growth rate for free, 100% for verified and subs
150-FOREVERRRR 30% growth rate for free accounts, 60% for verified and 100% for subs.
Values obviously to be tweaked based on what feels right and goes well with other mechanics. Past that point you pick a cap for each payment bracket and throw shit-tons of diminishing returns at the growth rate down to something silly like 10-15%. That way a person that worked for their char doesn't become equal to a free player after no-lifing for a year. As an aside, if you want to do any sort of cap, bots and alt armies will become a thing. So perhaps also add a character limit per account type, or spread the stat cap across all characters. Free get the crappy cap to all chars regardless. Once verified there's no turning back, and it's still capped fairly low, but perhaps limit to 2-3 chars (main professions, but not all, so as to encourage pairing up if you make pairing up fairly safe and desireable). And as for sub accounts, I'd say designate 3-4 chars tops as "unlocked unlimited progression chars", let people raise those in a way that raising just one is desireable, and more is worse in terms of effort needed. Once sub ends you could nerfbat the growth rate based on how high over the previous cap the char is or how far over the average the main character list is.