I voted #4
Can't you just reset those who want it?
Those ppl who think they have too much money could sell their cars and pay it all to the insim as a fine or something like that. Just like Bies did
i made like 4000 kms in 1.5 months and it would be pain if it would be resetted to 0 km
But if you REALLY have to reset the database the only option what would be acceptable for me is to delete every money and all cars, but hold the kms AND do a km based refund like 80euro/km