Of course, if you muddy the waters (complex reward schemes vs simple cash prices), you create an environment which a few "savvy operators" can exploit. At the

Of course, if you muddy the waters (complex reward schemes vs simple cash prices), you create an environment which a few "savvy operators" can exploit. At the expense of the majority. But what you're missing is that the guaranteed winners are the ones doing the muddying, and at everyone's expense.