As for as I can gather this alleged money 20000 dollars was taken out bank. Perhaps because of 1893 bank panic.
These crises caused hundreds of national banks to suspend operations, constituting major disruptions of the financial system. In the Panic of 1893, roughly 575 banks either failed or temporarily suspended operations (Bradstreet's 1893). Clearinghouses in 73 cities partially suspended cash payments in the Panic of 1907. The primary banking collapse in 1890s America was the severe economic downturn known as the Panic of 1893, which triggered widespread bank runs and failures as J.P. Morgan intervened to stabilize the financial system, leading to significant unemployment and poverty. This panic was a major component of the broader Long Depression, which saw collapsing prices for commodities like cotton and grain.
In light of this powerful event could been the catalyst to bury money.
But here is the problem Francisco Avila died 1885 aged 35. So it was not the banking crisis of 1893 that caused him to allegedly bury treasure. researching deeper there was long establish family that live in Los Angeles before California was part of the united states. The family owned substantial tracts of land west of the center of Los Angeles. How the Avila is connected is not fully clears just yet