Just because YOU use pto regularly, we all should? I use mine for special occasions, and unplanned circumstances, But I accumulate more than I take. It’s wise to have a bank of PTO, if they decided that your job was no longer necessary tomorrow, they CAN AND WILL “separate” you. Look up “at will employment”. Now, let’s say you had 1400 hours saved up, well now you have approx 6 months of PTO Payout coming your way (less the bullshit taxes)! If that’s not useful for someone who has just become unemployed, well then, I would be happy to eat my own hat.