You can secure your money in your bank account. The money in the bank cannot be taken in a duel. Money does not have to be withdrawn to spend it, the merchant takes it directly from the bank account when you don't have enough cash in hand. To deposit money in your bank account you have to visit your town. With each level of the bank the more money can be deposited for each player. From the bank you can also put money into the town treasury.

Level 1: $80
Level 2: $250
Level 3: $600
Level 4:
Level 5:
Level 6:
Level 7:
Level 8:
Level 9:
Level 10: $12000

Screenshot of the bank.
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