Bb are a much better system for banking if you fight a lot. Ap are easily burned through to low numbers before you realize it and then you've lost your banked funds. I guess if you never really fight it's not as big a deal
This "guide" is a complete waste of time. It is pretty simple multiplication that anybody above the age of 10 can do.
When someone only has the 1 defensive win achievement you can easily overlook their input on safe banking strategy