I wouldn't say "no need to worry about that in normal game play."
In my last Epirote campaign (which I won in 142 BC) I was expanding eastward and razed/abandoned every single Ptolie city on the Nile, Palestine, and Syria to keep them in check. After doing this 2-3 times each while I was building up all of my new cities to max level in Anatolia I was taking in 40k-50k each season on average w/ pillaging and taxes. Because I only build one building at a time per settlement, my bank account was at 750 million mnai just before I accepted victory.
If I had continued this to fully develop each city as I took them one at a time, and extended my razing/pillaging into AS ahead of the cities that I took from them and kept, I would have hit that cash limit before 14 AD.
So, is it unlikely that you will hit that limit - absolutely. Is it something that's possible - absolutely.
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