I get that some people really need the money, but if they can build their HP a bit then they can benefit. I've cashed out some for some purchases and will do it again. I just have to decide what is a reasonable price to do that. If I could buy what I want and make the money back in a couple of weeks then that seems okay.
I do keep an eye on the stats from @arcange to see if we are gaining more big accounts. Numbers have been going up, slowly.