Set the exp bonus from the level penalty table to its max value ( 140% ) once max level.
Since zeny drop rates are affected by base exp values, i think that would be a great addition, expecially after last update, since high level mobs are harder to kill, and level up consequently got harder too, it could be considered as a reward for reaching max level. Zeny rn is still one of the biggest issues on all game phases.
We also already have the option to make a new character, level it up to 240 (or wahtever -10 levels of the mobs we aiming to farm for zeny) to be able to farm efficiently, but i belive its not really good make an entire new character for a level "downgrade" to be able to farm efficiently, and dont make much sense a lower level character be able to make more zeny than a max level.
It also would help not concentrate thanatos tower 12 as the only or most viable way to farm zeny, since its a small map, its hard to have many players farming there at once.