Based on all I've seen here, I for ONE will not be keeping more than a few bucks in the One.app. I still load my One for MS purposes, but soon after loading I push the money out via ACH to a bank I trust. I keep anywhere from $30 to $60 at One to pay for fast food and stuff, push the rest out ASAP. When the closedown inevitably comes, I don't want to have to fight for my money ;-)