Those are not things that you can do in a Dominions 4 mod (adding units with low morale is one thing, changing the game rules and adding new rules is impossible).
No, no... you could. It's not impossible. It's just not something that's supported and would take a lot more work than I think anyone's gotten around to putting into modding a dominions game. You'd have to figure out how to crack the game open and mess with its internals, which is something that usually starts at bloody difficult and scales up to and past ridiculous, but it's not strictly impossible.
Plenty of games get modded through straight up screwing with the game's programming instead of messing with available mod tools or whatev'. It's usually half-way or outright illegal (EULA violation, reverse engineering, etc.), but it's something that happens every once in a while. PC equivalent of an ASM hack of an SNES game or whatev'.
Oh, sure, I know that. Like you said, Dominions isn't anything anyone has done it for, and as far as I understand it, every time it updated anyone who did make such a mod would have to reverse-engineer it again to find the new locations of the functions they were screwing with etc etc.
People who have actually done it would know more than me (and I know some of them are on these forums, but I don't know who they are). The extent of my beyond-normal-modding in the past has been reading and altering the data stream between client and server games by using a client-side proxy or replacement winsock dll.