Thanks for the reply
I have question for you, if I send SBI to @null, what happens there? Is that a case where their balance will just increase forever? But if that's the case why isn't there balance higher? I just looked and they have around 300 units.
It's all behind the scenes complicated (though it's actually a few simple rules that I follow that result in behavior that looks a lot more complicated than it actually is).
Its really interesting how easy it is to create complex systems with only a few changing variables. I really don't think a lot of people appreciate that.
We run a script periodically that caps pending balance at one year of accumulation for accounts that have been inactive (no posts or comments) for longer than that.
Effectively you stop accruing after one year of inactivity, but it's much less resource intensive to scrape of the excess periodically than to check every account for active age every accrual cycle.