I have to also say I dont see the point in the raising of gold myself either. Gold is easy to come by these days for most. It would only really benefit new plays with no account to farm gold with. So they can have plenty for their next oro kill. And perhaps with certain events where ypou need a ton of gold at random... A certain mount off the top of my head. But that only helps if you can withdraw more as well. It just makes leveling and stuff easier.
However, the key increase isn't a bad idea. It would aid in rp purposes. More people could join or watch you dwelling rp. A castle could host 31 rpers. That's enough to be able to rp major events on some impressive scales.... Chuunin exams, wars, ooc rp, endless thoughts pop up.