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I think the truth is probably that many of these programs just don't have the money to pay. If every affiliate who left the industry with $45 left on their account requested the account be closed and the monies paid out many of these programs would go bankrupt immediately. The idea of 1,000 former affiliates suddenly hitting them up demanding the accounts be closed out probably scares the shit out of them.
Normal businesses keep this money on hand using accounting practices. In adult the owner probably spent it on crack and hookers for him and his reps.
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