Ratio below 1.0 isn't a problem per se, it totally depends on the site. What has no bonus system, very few free leech torrents, thousands of seedbox whores, but at least the ratio demands are very generous.
Problematic are only those sites that make it impossible for low bandwidth users to be awarded for seeding. Bonus systems were introduced as a consequence actually - if a low bandwidth user keeps seeding a large torrent for a relatively long time, he / she can buy a lot of upload credit with the bonus points he collects. At least the better bonus systems work like that.
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