From what I understand, it didn't look like that when most users signed up -- it looked like a gimmicky bank account with a savings account that a portion of th

From what I understand, it didn't look like that when most users signed up -- it looked like a gimmicky bank account with a savings account that a portion of the interest was invested in a lotto-style system, so you were earning slightly less interest plus some chance to win a large payout. This is a lot different than what they "pivoted" to after accepting user deposits.