I personally don't know how you could do that in a fair matter, how can you know for sure that a person's gold is ill-gotten.... In a perfect world, yeah, id love your solution, but i don't think we can do that and be fair with everybody...
And in regards to "A wipe won't fix anything" - This is true. 100% the case.
A wipe -without bug fixes, TC, rebalances, exploit fixes- is not going to fix anything, but a wipe 1 year down the road when everything is fixed, in addition with a smaller map, 1/4th of the size of Nave, with the possibility of adding Alt servers if needed, now that my friend would make the game 10 times better, because even if we drop to 300 playercount, game's still fun, completely playable, but if we go to 2000 playercount? We just put a few alt servers to prevent overpopulation, and there's no harm done, this is what OldSchoolRunescape does, and does it wonderfully well.