The answer is very simple and there is no need for the endless replies. you only need to make a simple decision:
1. join a town as a valuable member, and any money that wont fit in the bank, you need to donate to the town treasury. obviously you made a lot of money in a few days, so no need to feel like the world is lost if you donate some of it
2. or horde your money to yourself and dont join a town, because it is pointless to join a town if you wont be a team player and make monetary sacrifices when needed
bonus option: sleep while you are away and live in fear, hehehe