Originally Posted by
notEnuf
M. Excess Payments on Account of Limits under the DPSP
This is the section you are referring to and it exists only because otherwise it could be argued that overages could be forfeited. We are limited, that's the only reason you get overages.
so again, nowhere does the contract specify that the intent of overages is to be locked into non-optional, low-return plans, and even the LOA specifes optionality. So there’s the “intent”