No problem. And the money bin presented here is actually the original design for the bin, as it appeared in Barks's stories, so continuity-wise it's the "correct" bin. The sleeker, more stylish bin from the DuckTales cartoon seems to be more inspired by the Italian comics, but it could easily have been built later (there have been enough stories where the money bin got damaged and had to be rebuilt, after all; nothing to say that Scrooge couldn't have improved the design a little).
The villagers are just idiots -- that's my take on it, anyway.
As for the "sleeping with bears" story -- yes, Scrooge was very much involved in that, given that it was his debut story.
And I think the "long-lost ledger" bit is just Donald being sarcastic. ^_^