But with time, I learnt of dangers like being banned, ratings and the danger of scams perpetrated by hackers who steal identity in order to siphon funds. For this reason, I am wary. I don't keep my money in Paypal but withdraw when I reach a certain amount though I have and to put my trust in there.
My answer is not related to forum posting sites, but rather to all/any online sites where money accumulates for work done. My answer is that no, I never let my pay accumulate because there are simply too many risks involved. I generally cash out as soon as I'm able.
That said, there's one site that I've been getting complacent about and letting it go until $20 or $30 even though I could cash out at any time. I really shouldn't do that just because a site has been reliable and I'm going to start cashing out at $10 there.
I learned this lesson two days ago again... I lost some money, *but* it wasn't because I didn't cash out in time. I didn't have enough to cash out until the weekend. I went in to get my money and the link wasn't there for the amount I was authorized to cash out for. A little scary, but I waited a day and tried again. Same story. I tried one more time thinking the site had issues, and that third time it wouldn't let me log in at all. I have attempted to contact them and nothing... no response. No additional way to contact them.
Anyhow, what I learned is that *no* Internet site that pays out for work done is 100% secure. They can, and often do just disappear virtually overnight.