I think the solution here is the way everyone already plays the bank robbery.
Crack the safe, get the keycard, take no money from the safe and take a bag at the vault.
The money part of the safe should just be removed so you don't accidentally take any.

⚠️ finnish ice fishing game ⚠️
i Think he should remove that Getting key card from safe , threating bank Manager good idea tho to get keycard , or if he wanna let keycard inside safe well he gotta increase mb to 55k / 60k because now its too hard to open safe for keycard (it takes time) and killing bankguard ( almost your armor's gone ) and take like 20sec to open the valut with keycard to get like 33k / 39k mb .
This functionality should be changed asap as nobody even bothers to rob banks anymore and this has a huge negative impact on the overall gameplay.
At least make the key card 'obtainable' by threatening the bank manager. You do not need to rob the safe as the most money is in the big vault.