My comment was entirely aimed at the absurdity of this thread. Here are a few pointers:
1. If you bring maths into the deal, at least try to make the numbers work out in your favour. Arguing about a potentially lost $0.1125 per month in a MMO environment doesn't qualify.
2. You realize that no gems are lost till the day you quit for good? If you're a long-term player, converting "leftover" gems after a purchase is possibly the worst thing you could do. Coming to think of it, how come none opened a thread crying about how Anet let him do that prior to the change?
3. Are you familiar with the concept of gift cards? Do you rage at the giver suspecting him of having shares with the store in question and all he wants to do is trick you into losing money?
4. You are potentially being overcharged for all kind of things throughout your daily life. For some reason however, you choose to complain about it when it involves a computer game where you spend 10$ a month and waste a potential 0.1125$ (numbers based on OP).
So, since the amount that is being taken away from the user is small and since consumers encounter other consumer unfriendly practices throughout their daily life, this type of consumer unfriendly ideas aren't worth pointing out?
I am sorry, I don't see anything here that would negate what the OP is saying: on the contrary, you seem to agree with what he is saying and all you are saying is that you are not bothered if A.Net introduces certain solutions that negatively impact consumers.
Honestly, I am not bothered if you accept consumer unfriendly practices. But I am extremely bothered if you tell people that they should simply accept these consumer unfriendly practices because they do not bother you, which is what your "Next thread, please." statement implied.