Here's a perfect example of why people like to have an alternate account:
For most of the week, my QT was good enough to put me in the top 2-5 positions of every race (although it was only a handful of races), including yesterday, and I had fun.
I just ran a race and this was my starting grid:
At P11 with a bunch of other "B" drivers ahead of me, the most I could hope for was to not lose too many DR points.
The race ended up being a lot of fun, and pretty respectful (at least back where I was in the pack). I even pulled over and waited for someone I accidentally nudged, and all that happened was we switch places back to the way it was before I nudged him.
So here's the thing: If PD allowed us to exit a race without losing points, I wouldn't have bothered with the race. But since I was stuck there, I proceeded with the race and had lot of fun, and only lost about 1.5 points.
If I had time for more races, I'd do it using my secondary account so I could just enjoy the racing, without worrying about DR points.
Hope this makes sense - why it's sometimes nice to have a secondary account.