Yes we have...yet we find a way to survive. I only had to purchase karma once...I believe it was $40 back in August. Funny thing is the stakes have been much higher recently and I have yet to go bust (I'm talking mad deep in red). You have to learn how to protect your stack.
I purchased karma once too
primarily because two weeks remained in george's contest and I needed to compete
I chose my bets carefully for a stretch there