making money easily doesn’t make it fun, it makes it boring and unchallenging. same as your star citizens example. easy ship piloting isn’t fun, it’s boring and uninteresting. a game about challenge will always be more fun than a game that rewards you for nothing.
i also agree realism isn’t always difficult. some things you can do easily in real life. but your examples, once again, are quite bad. piloting a plane is actually extremely difficult in combat situations, so it’s actually simplified in most simulators. same concept applies to star citizens i guess.
in kingdom come, combat, wounds, and such are also simplified from real medieval life. the point of realism and challenge is to limit it so the game is still interesting and immersive, not to create real life simulator. but by the same token, if you want to make a game boring and silly, easiest way to do is keep reducing realism like you are hoping.
and also, lets put things into perspective. in this game, if you are making maybe a few coins on a DAILY basis, you probably are already doing better than most medieval common people and soldiers. so again, difficulty is relative.