> So it's really just a convenience thing.

No, you didn't read carefully.

> Mathematically, whether or not you have all
> of your bank at any given time will make
> zero difference as long it's there (or will
> be there, as in the original scenario),
> right?

Not if it isn't available to you on a trip and you run out of money, thereby losing opportunity because you can't play anymore.

Don