Good reasons for smaller limits:
1) Lose less money when getting robbed at the ATM
2) Lose less money on late night bad decisions when the bank is closed
3) Lose less money when drunk
4) People will give up on trying to get a hooker or going to a strip club if they're at the limit or close to it, causing them to go home and jerk off, resulting in one of us getting a sale..
Bad reasons:
1)...No clue
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