Because Forge Points are the main feature of this game.
You can do less without Forge Points than lack of anything else, in regards to progression and game play.
That being able to be plundered will actually keep players from progressing (at a normal pace).
Besides, measures are already being taken regarding GB pushing accounts.
As for your second suggestion. Just a plain no.
Everyone has their own playing style. If they want to be Traders/Farmers, then they can be. They are what keep the neighbourhood running and probably even supply the Attackers with resources.
Penalizing someone for simply not wanting to play the game in an aggressive way is in no way correct.
Lastly, you might wanna take a look at this thread if you want your ideas to be even considered:
Guide to the Ideas section - *Please read before posting*
- L