No, the system in place makes it pretty easy to for me to adapt to large deposits (going back to how much time I want to spend working).  From day one, it has been much easier to manage accounts that rarely move coins than accounts that are constantly moving coins in an out. So before, my limits were adjusted based on the accounts all making the same rate.  Now, the calculations are based on average balances, so those that never move and hold more coins are rewarded with higher returns.  There's also some changes coming soon that will give the approved bond issuers an additional incentive to manage the smaller and more active accounts.