Bonus Paranoia?

I think some people don't take bankroll into account when depositing money, then get upset when variance kills them. When I first came on here, I looked at the bankroll builder for newbies and saw the Interpoker bonus and that it clears best at 1/2. So what do I do? I take $100 out of my account and go play 1/2. But I hit a bad run of cards and lose my money. I don't think I am the only one dumb enough to do this kind of thing, though it is possible that I am a one of a kind poker retard. My point is just to make sure people understand to take enough of a roll to cover their swings.