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It is to prevent fraud.
With no limit I make fake account I add $1000 and buy an IS-7. Then I cancel the transfer with bank. Gaijin bans me but the person who sold the IS-7 has the $1000 now.
By limiting funds to 2x what a person spends per year they verify accounts are genuine.
Before that I managed to dropa a nuke with Leopard 1, T-80BVM, Tiger 2 and almost 3 times in Marder A1-
wow, good thing I never got involved in that scummy cashgrab.