Losing 20% a month? Are you nuts? I bought a miner from KNC last year, the miner arrived a couple of weeks late, but I counted on that. Right now, If I sell my bitcoins as of today's price I would have not only ROI but earned quite a few dollars, not to mention If I would have sold when Bitcoin was at 1000$. Anyway as of today my miner is mining 0.01BTC/day, that is roughly 30cents per month, which equals to 186$. It is still profitable for me to keep mining even if I deduce the electricity bill.
I am one of those that keep his coin in hope of better times, but if another type of guy I would not only get my investment back, I would have also earnt some nice bucks.