If you're playing the game so much that you have no anima left, no inn bonus left, and no leve allowances left, consider it a sign! The game's telling you to take a break! There's other things you can do.

It takes me just a week or so away from the game to get anima back to decent amounts. And if I've really burned through it, I just bring myself back slowly by playing more conservatively.

Not a hard concept, really.