Interesting.I will say this again: if Arx was equivalent to money it would be illegal for Frontier to trade in it. You need licenses and certifications before you can keep money for people.
We buy Arx that have no monetary value for a variable price. It is store credit, not money. There is no cash equivalent for any number of Arx, because that would be legally and commercially dangerous. (It is useful for Frontier to be able to incentivise the large Arx packs too.)
If you had to close your account, Frontier may decide to gift you money as compensation for losing your Arx but they have no legal requirement to; Arx have no value. It would be a good-will gesture.
it's true that Frontier is not a bank and does not offer financial investments.