This is where gameplay strategies differ, especially in the Use of:City Limits vs No City Limits, Rev vs No Rev.
I don't use City Limits or REV. I can most of the time but not all of the time run at 100% in the Prehistoric era. Once I get out of that Era the % Gold to science changes, By Medieval Era when Espionage becomes available I have to drop to 80-90% for science and 5-10% for Esp. When Culture really kicks in a bit later I have to drop % to Science to 60-70%, Esp @10%, and Culture usually @20% (to keep Anger under control). The only way I can keep from dropping lower is by the # of merchants, Nobles, Artists, and Priests I have as Specialist in my Major cities.
If I'm forced or go into War these %s change even more because of the War Weariness factors built into the top 3 Gov't Civics (my top 3 anyways: Republic, Democracy, and Federal). I have to boost Culture % to be able to wage or defend in a War. Or else mu Empire drowns in Angry citizens (again I'm Not using REV).
The Gold in my treasuring can be used up very fast in upgrading units or trying to Buy a tech from an AI. If you take my surplus away I get overran and eliminated by Modern Era.
I play on Noble level for testing purposes. I'm on the same level as the AI.
There a a host of other reasons, conditions, and questions that can be used here too. Example: you never have to have your Culture setting above 0%? Or your Espionage above 0%? You never have angry citizens or spies stealing or destroying from you?
Also you may have mastered Hydro's new housing scheme. Cause if you use it wrong it will snatch Gold from your treasury each time you Don't upgrade a dwelling.
I've said all that to make this point, you Need to have a surplus of Gold in your treasury if you play the way I do. Just because you don't play like me and I don't play like you, you need to consider that yours is not "the" way to play for me, but is "the" way to play for you.
It's only strange to not have financial problems in your style of play.
JosEPh