Indeed, they are truly the most irrational people in the world, and the stupidest.
But of course with the change in rules to banked funds the minimum funds to be held annually will in practice be around the 1,200,000 mark given the original 800k is now held hostage and one needs money on which to defray the day-to-day expenses.
Frankly, if it were not for the wingman I'd be long gone.