Optional, I was one of the first people that knew about this rule before this was even posted on this forum months later. I didn't post about it but im sure someone would have complained about it later on soon enough. Its not as simple as you describe. Its complicated b/c there is still no clear answer from pinnacle.
Also the rollover in that example I give you is not 40k. For any other book assuming they had the 5x rule on deposits, it is $40k. Pinnacle it isn't unless you bust your account 0 thus you wouldn't hit 40k in rollover when you bust.
Here is the thing you don't seem to understand. If you continue to win and get the balance higher... say your balance is now $20000 and let say you had rolled over $38k. Your rollover is not 2k more. Your rollover is in addition to the winnings to your account. Do you see where the issue is with that? So if your balance was $100 before you deposited the additional $5000, you have to rollover $2000 in your rollover +$19900 so $21900 more. But you know what the issue here is right? The higher your balance the higher your rollover. Unless you bust your balance, rollover never clears.