It's a great point, and I'm happy that you brought it up since i didn't address it in this post. (scienceofmom.com)
One thing I've been placing a greater and greater emphasis on recently has been debt reduction, which I don't see directly addressed in your post. (financialsamurai.com)
I think the main concern is the odor and toxicity of the melted beads but this is addressed in her posts along with the recommendation to melt them in a toaster oven outside. (thecraftycrow.net)