Heya, thank you for the feedback! I believe we have it set so if your wallet is maxed out it deals 20 damage to enemies instead of 10, not that it's super noticeable to being with. We did kick around the idea for more money doing more damage in a sort of scaling way, but we never did implement it fully. As for the speed decrease/wallet cap, we wanted to nudge the player to remind them to spend their money, be it on upgrades or going back and smacking the boss a bit, or provide a challenge for people not wanting to hit their cap while trying to get to a shop or a level exit. There are plenty of different ways we could have handled this aspect, and we definitely should have tweaked and playtested a little bit more to fine-tune what we wanted.