"I didn't realize we had a save on ghost feature. It seems not only counterintuitive, but a little drastic to boot. Was there ever discussion on why this was changed (something I could hopefully read myself, rather than hear second or fifth hand)?"

I have yet to hear an even half decent argument for why it was introduced...

"Numbers are always a problem when suggesting things, but I would hope to have open dialogue on the topic. Realistic overtones aside, what would be a workable amount of money to max on a person? 100,000?"

25,000 or so I would say...