So the real post should be: How to lose $81,000 in Bitcoin.

    Step 1, go back in time to August 2010, and use the old client
    Step 2, get $90 worth of Bitcoin, and don't take proper
            precautions with your wallet file.
    Step 3, wait for Bitcoins to go up 90,000% in value.

The current client prefetches 100 keys, for your protection, and has many other safeguards in place.

Bottom line - Bitcoin software is becoming more robust as Bitcoins are becoming more valuable.