to avoid old tank syndrome, where a gradual build up of wastes reduces your pH to very low and toxic levels. I have had this happen before with overstocked tanks. even with water changes, the pH would gradually drop over the week to levels that would cause big problems with my fish.
its common with people who never change their water too though, not just with overstocked tanks. used to see it all the time while at the LFS.
its not as simple as just the nitrate level, as plants can take care of that if you have a heavily planted tank with a light stocking level. the plants can take up more nitrate than your system is producing in that case.
but you still need to do water changes.
So far, this is just an assertion.
now, all of us have the fish friend who never changes their water etc and their fish are fine.
well, they are. for now. they are used to the high waste levels (which we measure as nitrates) and lower pH.
but buy a fish from the store, add it to the tank and the fish doesn't make 48 hours.
Oh, absolutely, if the tank has accumulated high nitrates. Many fish can thrive in nitrates up above 100, if it got that way very slowly and they're used to it. The sudden CHANGE in nitrates, for the new fish, whose LFS environment may have been nitrates around 20, can be fatally stressful.
This is also why water changes should be avoided, unless needed:
It's the change that produces stress. Water changes must (else why bother) alter water conditions. The fish may well be used to those conditions.
If you once worked at an LFS, then surely you had people come in with mysteriously dead fish, and learned they'd recently done a water change. Or perhaps you didn't pay attention to that, because you weren't expecting it to be causal...but it can be.
In fact, I once worked at an LFS, but unfortunately as staff, not management. We got a new manager, who immediately changed all of the tanks' water by...I forget if it was 25% or 50%. We then lost about sixty percent of our fish, which had not been a problem previously, with rarer ten percent water changes.
The sudden change in water conditions killed the fish.
CHANGE, in either direction, can do it.
customer freaks out, brings you in the fish and a water sample.
what happened? my fish are fine! he or she says.
the problem is that the fish that were in the tank were used to the high levels of TDS. the new fish was not, and no amount of acclimation can stop this.
Obviously, some amount of acclimation COULD fix that. "Used to" is not a static condition.
hence, the new fish doesn't make it.
the old fish are fine. for now. eventually the pH drops low enough and the nitrates can get high enough and you get lots of problems eg. fungus, popeye etc.
That is an old-school assumption.
If you have a deep sand bed, or a mud filter, or a plenum, or a few plants and a protein skimmer, or ceramic foam plates in your tank, then the nitrates do NOT build up, but in fact can be problematically low.
for long lived fish, water changes are important.
You have given perfectly reasonable explanations for why, in specific circumstances, water changes are important.
But not why they are generically, universally important.
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