I read that text, and it doesn't say that you have too much money. It is a standard bit of text they use when they think the money you have for your trip is disproportionate. Admittedly, it's for visa nationals who propose to visit the UK and present finances representing almost all of their net worth.
The rationale is that people do not normally spend a year's income to make a visit someplace, and similarly they do not normally blow their life savings on a visit. So in order to deal with that situation, they introduced the concept of proportionality.
They also don't like it if there's been a sudden inflow of cash into the applicant's bank account because this undermines the applicant's credibility. Vicky and I disagree, by the way, about whether or not this is right, but it cannot be denied that it is the way things work.
The answer to those problems is to anticipate the ECO's reaction, and to think up why you propose a disproportionate expenditure and explain it in a way that obviates his objections.
IO's on the other hand, will bounce somebody who is carrying an inordinate amount of cash - like 10,000 pounds or more - because it is so abnormal they figure that the person is not a real visitor.