I haven't reached the point of getting Patience or Patience II, so can't comment on #2, but #1 is already starting to be an issue, even at level 37 BTN / 38 MIN, with the prospect of it continuing to just get worse the further I get.

We have assorted gear bonuses, food bonuses, and so on that can increase our maximum GP, but nothing to help with actually gaining the points to reach that maximum. They should either make it a percentage, as you mentioned, or give us traits to increase the regen speed, or maybe add GP regen buffs to equipment and/or food along with the max GP bonuses. I'm not too particular about how it's implemented, but we need something to boost GP regen as we start moving up in levels.