The I N G thing is from the I N G bank thread of a January/February. What was a harmless thread about this bank (fantastic bank btw, been an account holder for a while), on the budget board, turned into a beg a thon for referalls.
The original thread which was very informative, turned outright nasty. Yes it was a great deal, a bonus of $25 for opening an account, and a $10 bonus for the "referrer"... but too many people would use the thread for "I have XXX amount of referrals left", versus the questions of "How do I transfer Money?" or "How does this work?"