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Why winnings formula can't be like this?:

You have problem with that 50% accuracy is too low to be rewarded?
Imho, it's fair enough and 50% makes you a moderatly good predictor and you're worth to get your money back. I don't see a problem if everyone with 50%+ will gain money......
I think this formula should be implemented, because it doesn't makes ANY SENSE AT ALL when (almost) EVERYONE LOST THEIR MONEY. It's not fun at all and soon, nobody will play this because nobody will bet only to LOSE.