I assume this is what the Emergency maint is for.

I have been doing this since 1.0. and is a habit of mine (Since at one point you can view the amount of Gil on a character by examining them and I did not like that), I leave all my Gil on my retainer except for 10,000 (I find this is enough to get me around for a week or two). Withdraw only when I am low, kinda like a bank account, since I visit my retainers so often, it doesn't bother me.

I feel like this might help prevent the newest hack.

Just monitor your Gil after maint, good luck everyone.