You dont actually lose the cld. You get cld(x). The are worth 30 ped less than cld. 162x30 ped = 4860 ped. Edit: this was already Said by Haruto. I got 20 cld when they got introduced (sold everything I owned) and deposited to get another 80. Back then payouts were 4-5 peds. I could get a new cld every three weeks. 20/25 extra cld each year that would also start earning. 162 cld were easily achievable within 2 years.