In Chamber of Secrets, we see the Weasleys go with Harry to Gringotts and take out a few sickles and ONE galleon from their vault (which empties it).
Why use a vault for stuff that can be carried around in your moneybag?
Answer
In-universe, it seems likely that Arthur's Ministry salary is paid directly into his Gringott's vault, in the same way that most people's salaries (including mine) are paid directly into their bank accounts. Molly is picking up his monthly stipend.
Out-of-universe, it's merely another way of hammering home that the Weasley family is as poor as a church mouse that's just had an enormous tax bill on the very day his wife ran off with another mouse, taking all the cheese.
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