Uh, dude, yeah, they appear, but not all the time, I've been playing the game a while now 120 in game days, and they only showed up like 15 times if that, it's not that common of an encounter, it appears occasionaly, so that the game could remind you to save money at a bank, and afterwards a little bit into the story you don't even need money, I have 30,000 doillars laying in the bank, cuz I don't know what to do with it, it's not hard to avoid that situation, and I don't see why specificaly that part of the game is so frustrating...
Also, you do know that this game is made in Ren'Py, so if you don't want to lose money when the encounter shows up, all you have to do, is put your finger on the scroll wheel on your mouse and go back, problem solved, no need for constant quick save and stuff...