
Of all the reactions to Unofficial Patch changes, this is by far the most entertaining. If you want to exploit broken game mechanics to prop up bad traits, you can always stick to the Official version.
On a more serious note, protective walls wasn't much of a consideration behind the change; if that was the only way to exploit this I might not have bothered. It was examples such as building chariots in an HE city that provided more overflow gold than you could get building wealth in the same city that convinced me that overflow was broken. And you can still convert chops to gold this way if you really want to; you just don't get to steal extra gold with modifiers that wouldn't apply to wealth.