Yes, that's the problem: Part of people are getting part of the pot of extra money back, through a highly complex coupon collector's version of a Rube Goldberg

Yes, that's the problem: Part of people are getting part of the pot of extra money back, through a highly complex coupon collector's version of a Rube Goldberg machine that skews win rates towards those with better credit. It's really the perfect scheme, as the system creates its own never ending supply of advocates.