Huh, when you mentioned that, it made me think this was a way to allow frequently compounding interest even when the amount of interest earned is smaller than t

Huh, when you mentioned that, it made me think this was a way to allow frequently compounding interest even when the amount of interest earned is smaller than the precision of the account (ie 1 cent). If you earned 0.01 cent of interest, instead of trying to keep more digits of precision, the account just gets a 1% chance of being increased by 1 cent. It seemed like a really clever workaround to not having enough digits of precision (whether explicit or hidden), but now I see it’s just a regular sized lottery, a psychological tool to encourage investment. :)