Join the board
Everyone ranked. Badges stack. No money. This is the default — the pool to join first.
The problem
Ten friends. $1,000 each. They bet at a sportsbook.
Each week they put $400 on a coin flip at standard −110 — or whatever they have left. Win, you profit $364. Lose, the $400 is gone. Watch the house anyway.
NFL week
0
Still in their pockets
$10,000
House has taken
$0
Total wagered
$0
The house
$0
−110
−110. Hit Run the sim. It runs until they’re bust.
−110 is the usual sportsbook price: bet $110 to win $100. That’s the cut. It does not stop at the end of the season.
The scale
That was $10,000. The country did $166 billion.
That was −110 on ten friends. Last year the country put about $166 billion through the same pipe. Books kept about $17 billion.
Ten friends
On the table$10,000
Paid back to winners
Kept by books
$17B kept
That’s the tax on watching football.
Same pipe. Just more dollars.
Source: American Gaming Association / RG.org, 2025. About ten cents of every dollar bet never comes back.
Two ways to play
Unplug the house. Keep score two ways.
Each week you play one person. Wins stack. Top 3 by record plus the highest profit (if they aren’t already in) make a 4-team bracket. Champion and 2nd.
Group net
$0
House
$0
Week
Rewiring
House · idle
$0
Pot
$0
Rewiring off the house…
Same tickets either way. Skins is win–loss plus a playoff. Pool is one board, badges every week, 1st and 2nd at the end. The house stays at $0.
The product
Same Sunday. Here’s locking a ticket.
Phone and desktop, one parlay. Credits, not cash. Odds lock when you confirm — the house still gets nothing.
The ask
Free to play. Same Sunday. No house.
Credits on real games. An open book. A season board. The app never takes a deposit and never holds cash.
Wager like fantasy
A separate group, if you want one. Treasurer, buy-in, Venmo. The app is the scoreboard. Nobody takes a cut.
- Tue Credits drop
- Tue–Mon Bet this week’s games
- Kickoff That game locks
- Final Ticket settles
Unused credits mostly expire, so sitting out is a bad week — not a dead season. Fresh stack next Tuesday.
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