I don't think so. As a Merit source, "hoarding" already means you can send less sMerit in total. If my source is removed at the end of this month, that doesn't make me spend more now. If anything, it would make me more careful with "my own" earned sMerits, as I'll need those to cover the time when my Merit source is put on a dry spell.

I don't think so. As a Merit source, "hoarding" already means you can send less sMerit in total. If my source is removed at the end of this month, that doesn't make me spend more now.