a) change the tax amounts - half taxes for guilds, and quarter taxes for temples. I could also add a "tax free" minimum amount, maybe 10-50 gold per size. That would give the temple some amount to cover regular expenses with that is not taxed.
A possible addition to this is a minimum local treasury balance for taking gold out of the temple. For example, if the balance in the local treasury was below, say, 50 gold, then no one could withdraw gold from that temple. In this way, you wouldn't have to worry about some random, anonymous person coming along and emptying the treasury, requiring someone to make a special trip out to restock it. To compensate for the various expenditures of different size temples, make the amount vary based on temple size. Say, 20 gold per size.
