drop trade it if you really are getting scared. I'd drop trade in commodities though (ores, logs, etc) as opposed to GP.
EDIT NOTE: I also drop trade Rune full helms; why you ask? because they are under 25k (21k last i checked) meaning if you make a new account with the gay 25k restriction, you can drop trade the rune full helms, one at a time.
1 inventory of rune full helms 28 x 21k= 588k transferred per inventory, takes about say 2 minutes to drop em all and pick em up, but let's just say 3 minutes for the trips to the bank for both the accounts
20 loads per hour at 588k per load
20 x 588k = 11760k/11.76m per hour transferred between accounts with the gay 25k trade limit.
you can use other stuff that is closed to 25k to maximize efficiency, but rune full helms buy and sell pretty easily ~21k so do what you do
not entirely related but i meant to post it here for awhile