You're arguing with an "average return" but as a single person you only play once, or in any case a small number of times if you're willing to sign up for new a

You're arguing with an "average return" but as a single person you only play once, or in any case a small number of times if you're willing to sign up for new accounts. So the variance of your results, paired with the impact of an unfavourable outcome, should probably figure into that decision...