I like the idea behind the new system, but it is too harsh, ie, MEGA (tm)
downgrade.
Proposed new system:
Instant reinc: 3-10% reinc tax (more tax than before, ie, makes ppl
interested in non-instant method for role-playing effect)

Fast: 2-6% tax
Normal: 1-5% tax (same tax as old system, but added fun)
Slow: 0.5-3%, +10% exprate until all exp made back (ie, if need to make 6m
to complete reinc, this is only bonus 600k, which is cool!)

Now this adds flavour without harshness.

++Aceduck

PS I thought reincing aimed to remove gold from the game... but the
current system makes reincing too difficult/expensive, thus less ppl
reinc, thus less gold out of game... whats the desired effect???