Come to think of it... I don't even remember the last big f2p upgrade compaired to the many things done with p2p. But they do have to sell a product. They need to make it tempting somehow. Small bank space means you want members to keep all that stuff. And you will also get all those extra goodies. They need to make a profit to operate. Just think of f2p as a "trial" version with limited access. If you made it almost like p2p why would you buy it?