No, it's not bad. "If Auto-Trade is enabled, your coins will be traded for AC regardless of Payment Address or Payout Threshold values." I have auto-trade enabled and my payout coin is AC. Once a day at 3:30 UTC, they pay me in AC. If you set a threshold of 0, coins will just accumulate until you manually cash them out. Any other value will trigger a payment to your address once that threshold is met.