[Retric]

It's drivel, Users are worth whatever money you can extract from them. You can make a million a month from 100 thousand of them or 100 million of them, it's just a question of your monetization strategy. If your product needs someone to change their behavior over time then that's a bad thing. Mitigation strategy's include such things as focusing on when people are most open to change, new job, new home, new baby etc.

PS: You can actually learn a lot from how Banks operate as people move more often than they change banks. Keep the costs hidden, and the barriers to change obvious.