The whole idea of a
bankroll is, that you can play a certain game indefinitely with minimal risk of ever going broke. But for this to be the case, you need to be a winning player. Most people lose playing poker, which is pretty natural, since there is something called rake. And if you are a losing player, then per definition you can not have a poker bankroll. What you can have instead is a poker budget.
Sure there are examples of winning players, who busted their bankroll and had to start all over. Victor Bloom (Isildur) for example. But for online micro stakes players, most of the people, who find their poker account empty, are not winning players. So really the question is, should you reload and spend more money on your hobby? And if playing poker is not hurting you financially or in any other way, sure why not. But if it is, maybe time to take a break.