Why put yourself on a straight salary as you would with cap and bank?
Personal emergency now and you can work your way out of it. Cap and bank - maybe not.

There is the claim that more pilots would be needed with cap and bank by limiting total pay hours for each. For the purpose of discussion, let's assume that is true (i believe it is).

When looking at a switch to a cap and bank, one is logically tempted to see all of the higher paying seats above them and see it as a good thing that there will be more numbers of each. The catch -- and it is a biggie to me -- is that if you still don't get to switch seats, you have just capped your pay at your current rate. That could suck if an economic hardship hits!