To be honest. When I replied I thought I understood the mechanism. Now I got confused. I thought I understood that coins mined only get transferred to your wallet when you stake. Since a lower balance results in less staking I made the previous conclusion.
To put it in another extreme way. Suppose you have an empty wallet. Will you then stake? And if not. Are the mined coins lost?
You were right, you only get rewarded (PoS or PoR) when you stake a block, and you do need funds to stake.