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"to have stolen" or "to be stolen" or "to have been stolen"?

Please have a look at this sentence: We have a rule of thumb ——never carry around any more cash than you can afford to have stolen.

But i was wondering why i couldn't use "to be stolen" or "to have been stolen’ here? i always think we should use passive tense here like" it hasn't been stolen",i'm so lost,please help me,thanks a lot beforehand,;p

For learning: English
Base language: English
Category: Language

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    Best Answer - Chosen by the Asker
    "to have been stolen" isn't right at all.
    About "to be" - If you use it,then I think it gives the feeling that - You money must get stolen.

    I am not quite sure if I explained it correctly and understandably but "to have stolen" is used right in the sentence.
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