I am adverse to risk taking with my income.
I am even more adverse to bundling and negative carryovers both on principle and in practicality.
I think I understand your point, but haven’t noticed that effect on my earnings – maybe “yet”, the system is young.
I wonder how you interpret what happens when you have a whale enter, play a lot, win a lot, and play most of it back in one month.
How do the systems compare in such a case?