Yes because now and days, you have to keep welcoming people and beat games in order to get your gil, while coming up with threads and polls to had to your overall money, which might not even come up into the bank's savings since someone might have bugged it and with the fee stamped on it ticking off every member with another feature they don't even want to touch, giving the impression you have to send almost every poster a reply to their silly little comment threads written in one sentences and keep giving people including the Administrators ideas they haven't come up with just for the chance of getting a gil award.