[shayankh]

What I had a problem understanding is the worst case scenario, specifically that wouldn't i better off by just going to Marcus or Ally? There i don't "win" anything but in the long run the yields are worth it, which I don't get from you?

[gruez]

I think someone did the math and the effective interest factoring in the expected value of the prizes is just above 3%. That's significantly higher than what you can get with a regular savings account.

https://news.ycombinator.com/item?id=23781247

[adammoelis]

Yes you are right. In a worst case scenario where you never win a prize, you do have opportunity cost because you could have earned more from a Marcus or an Ally.

[Jommi]

But in the best case you might be far better with this option.