How are you being penalized? You were using it in a way Inno never intended for it to be used and you know that as well as every other player exploiting the exploit. Sorry that killing your abuse of settlements killed your use of settlements, but your interest stays the same. Sorry that killing your abuse of settlements killed your use of settlements, but your interest stays the same.
You say yourself you didn't want to complete them. The only reason you touched them at all was for the FP exploit. Inno never intended that. You may have felt you were being fairly compensated, but Inno felt it was over compensation and fixed it so the Viking settlement can no longer be exploited in a way never intended.
Now that the exploit is gone, you're back to not touching them, same place you were before settlements ever appeared.Settlements are now just like everything else optional in the game, if you want the rewards from them, you have to actually do them. Again, how have you been penalized?