I found out long ago one can have positive bank or QOL. Bank does little more than make SAP a little easier, but the trade off isn't worth it, IMHO. I can't remember the time I had positive bank. P.S. I am flattered that you would find me worthy of your personal attacks. Seriously, the condescension is appreciated. I'm not really worthy. Seriously.
When the company was headed for the 2nd BK I went from positive bank to full negative bank. I did not want them to owe me money because we know how that would have ended up. I thought it would take a long time to pay back the negative bank but I had a couple of mechanicals on the 4th day of a 4 day trip which resulted in an extra days pay. It didn't take long at all to pay it back.
All the best,
Bob