Fuji - exactly.
Of course the regs are there and like them or not they have to be adhered to. Most people, I'm sure will have periods where they feel out of practice, and this may be within the 90 day period. The point is in being aware of one's limitations on any given day, and for whatever reason these may well vary from other days. It's the limitations you're not aware aren't up to scratch that become the most dangerous.
And yes, I'd rather continue to fly even if I could only just afford (financially) to stay current, but I wouldn't take non-pilot passengers if that was the case.
B