All of you who cash out your poker roll to deal with life problems are seriously doing it wrong. I've long wondered why M2M, Stacks, Spoony, et. al. are not playing higher stakes... maybe this is why?

Your poker roll should remain completely separate from your life finances. The poker roll is there for the sake of the pokers and you need the monies to make more better pokers.

If you use your poker roll to deal with life problems, then you're likely to have to drop down in stakes frequently, which will significantly lower your winrate. It's like you demoted yourself over a flat tire.

If you're going to borrow money, you must have a plan to pay it back... and borrowing from your poker roll is just like borrowing from a friend. Personally, I'd sooner borrow money from friends or family or a bank than borrow money from my poker account. There's no reason to give myself excuses to avoid paying a debt, since I owe it to myself.