How much do you want to wager both systems are the same (on VP)? One system, it all downloads at the beginning. The other system, it downloads small amounts throughout play.
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Why all the fuss? Most on this forum who get any amount of free play won't and can't simply get up and leave after once-thru anyway--esp. someone who makes 40 trips a year. If you're one of the savvy ones who doesn't allow the casinos to control you however, then free play always equals profit.
It pays 2-for-1. That's how every machine I've ever seen works (that I know of / remember). When you make a $5 bet, your credits immediately go down, even before your wager is resolved. Once it is resolved (if a winner) it pays 2.
Here's how I figure it:
If you hit red you get $150 cash less the $10 on zero. Your win is $140. You started with $300 free play + $10 cash.
If you hit black you get $150 cash less the $10 on zero. Your win is $140. You started with $300 free play + $10 cash.
If you hit Zero you get $350 cash less the $10 bet on zero. Your win is $340. You started with $300 free play + $10 cash.
How is this a 98% return?
You get your original wager back.
Just like VP...you bet 5 credits, you hit JOB...you get 5 credits back. The machine says "win 5" but it's not a win...it's a push.
You bet 5 credits and hit 2 pair...you get 10 back...the 5 you bet, plus the 5 you win.
The machine says "win 10" but you didn't win 10...you won 5...because 2 pair pays even money, just like red or black in roulette.
That's the same as the Direct Bet coupon for table games.
But say you have $500 FP and play one 5-credit hand of VP on the $100 machine.
You hit a pair of face cards, you win $500 and can cash it all out.
You hit 2 pair, you win $1000 and can cash it all out.
You play video roulette, same thing.
You bet $250 red & $250 black...if EITHER red or black comes out you "win" $500 and can cash it all out.
When you bet your own money, it's a push...but with free play it's all a win, because you risked nothing.
Sorry. The way I look at it, if you bet $10 on red and it hits you are paid $10 even money. That leaves $10 free play on the machine. I am unaware that the $10 free play winning bet is converted to cash -- I always thought it remains as free play for another bet.