Is 100% of your currency public loot then? That seems punitive especially when you need several thousand for some items and I couldn't see a way to stash them, they are just stored against your character.
Or is only a portion of it public but to get any at all back you need to get back to your corpse. Sorry for the noob questions!
No it only drops a certain amount.
You were just unlucky because you had so little. I've got over 200,000 at the minute and was dropping a few thousand a time.