Are you quite sure that it is because of the money situation that you were later declined? The wording states,
"evidence that they have a minimum of $4,200 in funds available to maintain themselves during their 12 month stay in New Zealand (travellers' cheques or bank documents in the applicant's name are acceptable). If that visa was approved and a later one was declined, did they ask for more bank statements with the later one? Did you then send them a bank statement that showed the immediate withdrawal of the funds? If it is definitely this issue, they could reasonably argue that you did not have the funds available for your maintenance and you knew you were providing false/misleading information. I suggest that if you want to reapply you should talk to INZ first and then, depending what they say, this is an occasion when I might engage an immigration lawyer. I think you will face a lot of problems though and it may not just be New Zealand applications that are affected.