What I was saying above is that I wouldn't be surprised if a high enough percentage of even the customers who "beat the system" so to speak for many years eventually slip up that it makes up for the rest.
If that's the case, and you can't predict who exactly that subset is going to be, you keep all of them around.
If that's the case, and you can't predict who exactly that subset is going to be, you keep all of them around.