I opened up the game to see where I was, and I am on Chapter 63.
About the unemployed workers stealing gold, I have always just ignored that fact when I saw it, and just carried on. It never impeded my playing on through and finishing the game, so I never gave it much thought. I guess I just kept making money faster than they were stealing it and built enough new buildings that it didn't matter. If all the gold disappeared, I suppose then you could not buy more cannonballs or repair docks or the like, but the situation never got that dire.