I don't think you can address it in a convincing way if you don't have the funds. Speaking from my experience last year with FSW 2014, you just need to have that money in a time deposit account, and you shouldn't touch it until the PR process is completed. Again, speaking from experience, CIC agents are very bureaucratic people, and there is no room for interpretation or goodwill at all.
Last year, I got my application returned to me on grounds that they were not convinced I had at least 1 year of work experience, because I had not sent any bank statements showing the transactions. However, I had sent 9 reference letters all of which had included the amounts paid to me during my 7 years of freelance career, which had been put on paper by my clients and not by me (so it was not self-declared). AND I had attached a letter in the relevant page in my application, saying that I had all the bank transactions, but it was a 40-page statement and certified translation would cost a small fortune in my country. I also had added I would certainly send the transaction list no matter the cost if they needed me to. Despite that, they did not use any initiative, such as asking for bank statements, and they preferred to call it an incomplete application package, thus returning it all together, dismissing months of efforts putting those documents together and effectively ruining my chances of immigration that year.
So it might be somewhere 'very difficult' to 'impossible' to reason with a CIC agent. They just look at the facts.