I think the ratio issue is something that cannot be resolved any more. However, the above one still can.
For vehicles, the majority of players will fight tooth and nail against any changes to the costs of vehicle ownership, so there's no point in attempting to even discuss this. People want free stuff and that will never change. However, I believe properties have a better chance to see some cost balancing. Right now, owning a property comes with no inherent additional costs if your net worth is below about $700.000. I believe it's not a bad idea to leave that like it is. When you do go above $700.000, which means you're not a new player any more, I think properties could be taxed a little more heavily.
Right now, you pay 0,01% asset tax on an hourly basis, which starts when you're above $700.000. In my view, it makes sense to either increase this, or even better, separate property tax from asset taxes and tax these properties a little higher. I'd personally be in favor of multiplying it tenfold, since this provides some drive for players to shed off unused or underused properties. Even then, you'd have to have $800.000 worth of properties before the hourly property taxes actually start eating into your money. Anyone with assets below $700.000 obviously remains entirely unaffected.
This probably won't happen, but it surely would be nice, since it depresses passive income and attaches some costs and consequences to owning properties.