I agree, its really good idea to improve economy. Current best way to get caps - trader camping is really stupid. Players should get caps by playing the game and not camping traders. But wipe isnt needed.. just lower bank interest rate, item prices, trader caps and add some caps to enemies in encouters, footlockers, quests, caravan and dungeons. Lowering interest rate shouldnt affect new players cuz they got no caps and rich players would have to play the game instead of getting alot of caps just from interests, by doing nothing.
Very high interest and overall income of caps into game and small outcome can lead to inflation which can ruin whole economy and lead to wipe. Never played 2238 but i heard that something smillar happend there.
Also seen in changelog alot economy changes which should prevent server from inflation so i hope there will be no wipe due to inflation.