Look, I've been on both sides and my opinion has changed over the years. I used to think that anyone who used their time bank on the river without thinking was a jerk. Now, honestly, I do it all the time, but with my own moral code: I never use it to slow roll (wait intentionally to win). If I have the best hand on the river and my opponent has bet, I call or raise in less than 5 seconds. But if I'm in a tough spot, I take my time. I don't care if they think I'm acting. In the end, in online poker, the time bank is a resource like chips. If you get nervous because the other person is thinking, that's your problem, not mine. Where I do draw the line is at tournament tables with recreational opponents; there I try to be more agile so the experience is enjoyable for everyone, because without them, there's no game.
