[VBCurtis]

Define bankroll. $200 in my Party account? $200 online? $200 to my name? I feel no need to defend my online as if it is my last, because I can easily shift money around. I also feel no need to keep 1000 BB online for the limit I play-- if I hit a nasty downswing, I can move some of the profits I previously withdrew to checking back online. If you define bankroll as whatever you have online, you're missing the point about resources available to a player.
I personally play more live than online, so I need more of my poker money in checking than at Neteller or Party. Since it's all part of my BR, I see no problem at all in playing $20 SNGs with the $200 I have left at Party. Having to reload often is an effect of my money management, which you appear blind to. I play 1/2 online and 6/12 live, so I need MUCH more bankroll offline than online. The only penalty I suffer for the risk-of-ruin from $200 online roll playing 1/2 is waiting a few days for a checking-to-Neteller reload. Why is this bad?
(note I'm not this extreme in reality, but I see nothing really wrong with it-- I keep about $1000 online and $2000 live bankroll, and I'm more likely to bust the $2000 than the $1000)