Re: Coin operated and risk/reward
All rules shape behaviour, often the shape that you get isn't the one that you want because its people you are shaping and people tend to be quite clever things. Spotting gaps and advantages is what caused human evolution afterall.
When you design rules you need to think carefully what shape you could end up with, it might fix one problem but cause 4 more.
I always cite the moment when F1 said "you must have a minimum of four wheels"... thinking they were banning motorbikes or three wheelers.... subsequently changed to "you must have four wheels" after a six wheel design wiped the floor with the competition. It's a basic example, but one that is a good one.