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the problem is: If you do so your level sinks down. A player who wants to interact with you looks probably on your rank. He cannot see how much you have on your account and how much that influences your player rank.Hence he will try to tax/fine you with a much lower money than you should normally receive. No one has anything against saving money to buy equipment. Thats not the point.
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no more rules, you can believe me, banking account balance is considered for nearly all parts of the roleplay in future. You can hide your money, but it will be considered for role play purposes - that are taxes, fines and kills of all kinds (except suicicdes - hm that brings me to the next idea ;D)