But as has been established, he shouldn’t have had this money in the first place. The fine is based on how much he over inflated the value of his property to get bigger loans. Had he not done so he may well have been bankrupt already.
I think if I have one criticism of the plot is that it takes a while to get going. If I may, I’d recommend you to play thorough it at your own pace, possible also at the lowest difficulty just to experience the story. It’s well worth it just for that.