Stoopid clan bank

Why is it that when you join a clan that ISNT yours and you put your money in it you can't get it back? I easily lost up 10-20k by joining a Ravenna-rome type clan and then putting money I got into the bank and then when I try to redeem it, guess what, I CANT. What's the point of depositing if you can't withdraw? I lost 10-20k and got my ship absolutely destroyed. This basically made the new things much harder to do (Dark Sea Exploration and Bosses)