Why should you earn money while you're not even playing the game? That is loss of risk.
It's real easy. You join the game, buy props, and when you leave you sell all and put the money in the bank. If you earn money while not even ingame, people will use it to earn money easy. They join, buy all props and then leave and nobody is able to hunt them down because of the money. The game shouldn't be played like this. It's always been this way, and shouldn't be changed. It's certainly a loss of risk, because everytime you wanna earn money, you just buy all props what should take about 20 minutes, and then you can leave the game and you're sure the money gets deposit in your bank without any risks of losing any.
Otherwise tell me WHY it needs to be changed like you want? Why is this so necessary? You can't earn enough money? If it was up to me, I would make it even harder to earn lots of money, like lowering the income of the farms, so there's more competition for money.