I just actively make up a story in chat or cc when someone asks how I have full bandos & dfs & sgs with no stats lol.
"Oh my main got hacked 2 years ago, when I quit. Before I quit though I gave my friend 400m, turns out my account got hacked and banned by a retard in my abscense, however when I rejoined the game, my friend gave me 200m."
Or if you randomly receive gold just say i wont forget your birthday too! or something like that.
Works for me, traded around bills.