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  1. Home
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  3. Example activities (english)
  4. Bad Bets — Traps for Your Money

Bad Bets — Traps for Your Money

Completion requirements

Bad Bets — Traps for Your Money

41 Cards
41 ways to be parted from your money, sorted into fraud, manipulation, fair-but-losing bets and digital traps. Every card names the heuristic the practice exploits. Loss figures for games of chance follow from their rules; everything else is a documented teaching estimate.
◀ Back to the game

🚨 Fraud 12

🚨 Fraud
📞

Shock call

"Your daughter had an accident"

  • 💸 Loss per 1,000 € risked (lower wins) 1000 €
  • ⏳ Time pressure 100 /100
  • 🎣 Addictive pull 2 /100
  • 🥸 Camouflage 60 /100
  • ↩️ Chance of getting it back 10 /100

Did you know? Exploits acute fear: under stress almost nobody stops to call the number back.

🚨 Fraud
🏦

Fake bank employee

"We must secure your account"

  • 💸 Loss per 1,000 € risked (lower wins) 1000 €
  • ⏳ Time pressure 95 /100
  • 🎣 Addictive pull 1 /100
  • 🥸 Camouflage 85 /100
  • ↩️ Chance of getting it back 15 /100

Did you know? Exploits authority: a caller who knows your bank's wording sounds like your bank.

🚨 Fraud
👮

Fake police officer

"Your savings are evidence"

  • 💸 Loss per 1,000 € risked (lower wins) 1000 €
  • ⏳ Time pressure 95 /100
  • 🎣 Addictive pull 1 /100
  • 🥸 Camouflage 70 /100
  • ↩️ Chance of getting it back 8 /100

Did you know? Exploits obedience to uniforms: real police never ask you to hand over cash or cards.

🚨 Fraud
🎣

Phishing message

"Confirm within 24 hours"

  • 💸 Loss per 1,000 € risked (lower wins) 1000 €
  • ⏳ Time pressure 85 /100
  • 🎣 Addictive pull 3 /100
  • 🥸 Camouflage 75 /100
  • ↩️ Chance of getting it back 25 /100

Did you know? Exploits urgency plus habit: you have clicked a hundred harmless links this week.

🚨 Fraud
🛒

Fake online shop

Impossible price, prepayment only

  • 💸 Loss per 1,000 € risked (lower wins) 1000 €
  • ⏳ Time pressure 70 /100
  • 🎣 Addictive pull 8 /100
  • 🥸 Camouflage 80 /100
  • ↩️ Chance of getting it back 30 /100

Did you know? Exploits the bargain reflex: a price far below the market is the warning, not the offer.

🚨 Fraud
💔

Romance scam

Months of grooming first

  • 💸 Loss per 1,000 € risked (lower wins) 1000 €
  • ⏳ Time pressure 40 /100
  • 🎣 Addictive pull 30 /100
  • 🥸 Camouflage 90 /100
  • ↩️ Chance of getting it back 3 /100

Did you know? Exploits commitment: after months of investment, doubting them means admitting you were wrong.

🚨 Fraud
👑

Advance-fee fraud

A fortune, for one small fee

  • 💸 Loss per 1,000 € risked (lower wins) 1000 €
  • ⏳ Time pressure 60 /100
  • 🎣 Addictive pull 6 /100
  • 🥸 Camouflage 25 /100
  • ↩️ Chance of getting it back 2 /100

Did you know? The absurd story is deliberate: it filters out everyone who would notice later anyway.

🚨 Fraud
🔺

Pyramid scheme

Paid from the next joiner

  • 💸 Loss per 1,000 € risked (lower wins) 1000 €
  • ⏳ Time pressure 55 /100
  • 🎣 Addictive pull 45 /100
  • 🥸 Camouflage 75 /100
  • ↩️ Chance of getting it back 5 /100

Did you know? Exploits social proof: early members really are paid — out of the money of later ones.

🚨 Fraud
📉

Fake investment platform

The dashboard only goes up

  • 💸 Loss per 1,000 € risked (lower wins) 1000 €
  • ⏳ Time pressure 65 /100
  • 🎣 Addictive pull 55 /100
  • 🥸 Camouflage 88 /100
  • ↩️ Chance of getting it back 2 /100

Did you know? The rising balance on screen is a drawing. Withdrawal is where the illusion ends.

🚨 Fraud
📈

Pump and dump

The chat group buys together

  • 💸 Loss per 1,000 € risked (lower wins) 900 €
  • ⏳ Time pressure 90 /100
  • 🎣 Addictive pull 60 /100
  • 🥸 Camouflage 70 /100
  • ↩️ Chance of getting it back 3 /100

Did you know? Exploits FOMO: whoever posted the tip is selling into the buying he just organised.

🚨 Fraud
🔐

Ransomware

Your files, for a fee

  • 💸 Loss per 1,000 € risked (lower wins) 1000 €
  • ⏳ Time pressure 95 /100
  • 🎣 Addictive pull 1 /100
  • 🥸 Camouflage 50 /100
  • ↩️ Chance of getting it back 5 /100

Did you know? Paying funds the next attack and buys only a promise — sometimes the key never arrives.

🚨 Fraud
🚪

Doorstep trickster

Fur trader, roofer, meter reader

  • 💸 Loss per 1,000 € risked (lower wins) 1000 €
  • ⏳ Time pressure 80 /100
  • 🎣 Addictive pull 2 /100
  • 🥸 Camouflage 55 /100
  • ↩️ Chance of getting it back 8 /100

Did you know? Exploits politeness: most people find it harder to shut a door than to lose money.

🎭 Misleading 10

🎭 Misleading
🏷️

Fake discount

"Was 199 €, now 99 €"

  • 💸 Loss per 1,000 € risked (lower wins) 100 €
  • ⏳ Time pressure 75 /100
  • 🎣 Addictive pull 25 /100
  • 🥸 Camouflage 90 /100
  • ↩️ Chance of getting it back 60 /100

Did you know? Exploits anchoring: the crossed-out price does all the work, even when nobody ever paid it.

🎭 Misleading
🔄

Subscription trap

Free trial, silent renewal

  • 💸 Loss per 1,000 € risked (lower wins) 300 €
  • ⏳ Time pressure 55 /100
  • 🎣 Addictive pull 20 /100
  • 🥸 Camouflage 85 /100
  • ↩️ Chance of getting it back 55 /100

Did you know? Exploits inertia: the business model is the month you meant to cancel and did not.

🎭 Misleading
☕

Coach trip sales event

Free trip, expensive blanket

  • 💸 Loss per 1,000 € risked (lower wins) 900 €
  • ⏳ Time pressure 70 /100
  • 🎣 Addictive pull 10 /100
  • 🥸 Camouflage 45 /100
  • ↩️ Chance of getting it back 45 /100

Did you know? Exploits reciprocity: after the free lunch, saying no feels like a debt unpaid.

🎭 Misleading
🎓

Coaching upsell

"Financial freedom", tier by tier

  • 💸 Loss per 1,000 € risked (lower wins) 900 €
  • ⏳ Time pressure 80 /100
  • 🎣 Addictive pull 40 /100
  • 🥸 Camouflage 65 /100
  • ↩️ Chance of getting it back 20 /100

Did you know? Exploits sunk cost: each tier is justified by what you already paid for the last one.

🎭 Misleading
🧾

Extended warranty

Sold at the till, in seconds

  • 💸 Loss per 1,000 € risked (lower wins) 150 €
  • ⏳ Time pressure 65 /100
  • 🎣 Addictive pull 5 /100
  • 🥸 Camouflage 60 /100
  • ↩️ Chance of getting it back 50 /100

Did you know? Exploits loss aversion at the worst moment: right after you decided to spend.

🎭 Misleading
📋

Payment protection add-on

Bundled into the loan

  • 💸 Loss per 1,000 € risked (lower wins) 250 €
  • ⏳ Time pressure 60 /100
  • 🎣 Addictive pull 5 /100
  • 🥸 Camouflage 75 /100
  • ↩️ Chance of getting it back 45 /100

Did you know? Financing the premium with the loan means paying interest on your own insurance.

🎭 Misleading
📱

Fine print in a contract

Cheap for twelve months

  • 💸 Loss per 1,000 € risked (lower wins) 200 €
  • ⏳ Time pressure 40 /100
  • 🎣 Addictive pull 10 /100
  • 🥸 Camouflage 80 /100
  • ↩️ Chance of getting it back 40 /100

Did you know? Exploits present bias: the low first year is felt now, the high second year is not.

🎭 Misleading
📸

Undisclosed ad

A friend, not an advert

  • 💸 Loss per 1,000 € risked (lower wins) 150 €
  • ⏳ Time pressure 50 /100
  • 🎣 Addictive pull 35 /100
  • 🥸 Camouflage 85 /100
  • ↩️ Chance of getting it back 40 /100

Did you know? Exploits trust transfer: a recommendation from a familiar face bypasses your ad filter.

🎭 Misleading
💹

Personalised pricing

Your price, not the price

  • 💸 Loss per 1,000 € risked (lower wins) 80 €
  • ⏳ Time pressure 60 /100
  • 🎣 Addictive pull 15 /100
  • 🥸 Camouflage 92 /100
  • ↩️ Chance of getting it back 30 /100

Did you know? You cannot compare what you cannot see: two people are shown two different prices.

🎭 Misleading
⏳

Buy now, pay later

Painless at checkout

  • 💸 Loss per 1,000 € risked (lower wins) 120 €
  • ⏳ Time pressure 70 /100
  • 🎣 Addictive pull 45 /100
  • 🥸 Camouflage 70 /100
  • ↩️ Chance of getting it back 55 /100

Did you know? Separating the goods from the pain of paying reliably increases how much people spend.

🎲 Bad bets 10

🎲 Bad bets
🎱

Lottery 6 from 49

Roughly half is paid out

  • 💸 Loss per 1,000 € risked (lower wins) 500 €
  • ⏳ Time pressure 10 /100
  • 🎣 Addictive pull 35 /100
  • 🥸 Camouflage 20 /100
  • ↩️ Chance of getting it back 2 /100

Did you know? The worst expected value on this card — and the one people find least alarming.

🎲 Bad bets
🎟️

Scratch card

Result in three seconds

  • 💸 Loss per 1,000 € risked (lower wins) 450 €
  • ⏳ Time pressure 45 /100
  • 🎣 Addictive pull 55 /100
  • 🥸 Camouflage 25 /100
  • ↩️ Chance of getting it back 1 /100

Did you know? Exploits the near miss: two matching symbols out of three feel like almost winning. They are not.

🎲 Bad bets
⚽

Single sports bet

The margin hides in the odds

  • 💸 Loss per 1,000 € risked (lower wins) 60 €
  • ⏳ Time pressure 55 /100
  • 🎣 Addictive pull 65 /100
  • 🥸 Camouflage 35 /100
  • ↩️ Chance of getting it back 3 /100

Did you know? Add the implied probabilities of all outcomes: over 100 %. The excess is the bookmaker.

🎲 Bad bets
📲

In-play bet

A new market every minute

  • 💸 Loss per 1,000 € risked (lower wins) 90 €
  • ⏳ Time pressure 95 /100
  • 🎣 Addictive pull 85 /100
  • 🥸 Camouflage 45 /100
  • ↩️ Chance of getting it back 3 /100

Did you know? Exploits the illusion of control: watching the match feels like knowing the outcome.

🎲 Bad bets
🎡

Roulette (single zero)

One green pocket in 37

  • 💸 Loss per 1,000 € risked (lower wins) 27 €
  • ⏳ Time pressure 60 /100
  • 🎣 Addictive pull 70 /100
  • 🥸 Camouflage 15 /100
  • ↩️ Chance of getting it back 2 /100

Did you know? The whole house edge is one pocket: 1 in 37, or 2.70 %. Everything else is fair.

🎲 Bad bets
🃏

Blackjack, basic strategy

The thinnest edge in the room

  • 💸 Loss per 1,000 € risked (lower wins) 5 €
  • ⏳ Time pressure 50 /100
  • 🎣 Addictive pull 60 /100
  • 🥸 Camouflage 30 /100
  • ↩️ Chance of getting it back 2 /100

Did you know? The best odds a casino offers — which is exactly why the tables are placed near the door.

🎲 Bad bets
🕹️

Slot machine

Hundreds of rounds an hour

  • 💸 Loss per 1,000 € risked (lower wins) 40 €
  • ⏳ Time pressure 85 /100
  • 🎣 Addictive pull 95 /100
  • 🥸 Camouflage 30 /100
  • ↩️ Chance of getting it back 4 /100

Did you know? The edge per spin is tiny. Spins per hour is what does the damage — this figure is per spin.

🎲 Bad bets
🎪

Fairground game

Skill, allegedly

  • 💸 Loss per 1,000 € risked (lower wins) 700 €
  • ⏳ Time pressure 70 /100
  • 🎣 Addictive pull 30 /100
  • 🥸 Camouflage 60 /100
  • ↩️ Chance of getting it back 1 /100

Did you know? Weighted bottles and undersized hoops turn a game of skill into a game of physics.

🎲 Bad bets
🔮

Prediction market

Betting, in a lab coat

  • 💸 Loss per 1,000 € risked (lower wins) 80 €
  • ⏳ Time pressure 60 /100
  • 🎣 Addictive pull 55 /100
  • 🥸 Camouflage 55 /100
  • ↩️ Chance of getting it back 5 /100

Did you know? The serious vocabulary does not change the arithmetic: fees still come off the top.

🎲 Bad bets
🥤

Shell game

The one you saw is not there

  • 💸 Loss per 1,000 € risked (lower wins) 1000 €
  • ⏳ Time pressure 90 /100
  • 🎣 Addictive pull 20 /100
  • 🥸 Camouflage 30 /100
  • ↩️ Chance of getting it back 1 /100

Did you know? Not a bad bet but a trick: the ball leaves the table, and the winner beside you is staff.

📱 Digital traps 9

📱 Digital traps
🎁

Loot box

A slot machine with skins

  • 💸 Loss per 1,000 € risked (lower wins) 850 €
  • ⏳ Time pressure 60 /100
  • 🎣 Addictive pull 90 /100
  • 🥸 Camouflage 75 /100
  • ↩️ Chance of getting it back 10 /100

Did you know? Same structure as a slot machine, minus the age limit and the payout disclosure.

📱 Digital traps
🎮

Battle pass

A season you must finish

  • 💸 Loss per 1,000 € risked (lower wins) 300 €
  • ⏳ Time pressure 55 /100
  • 🎣 Addictive pull 75 /100
  • 🥸 Camouflage 60 /100
  • ↩️ Chance of getting it back 15 /100

Did you know? Exploits loss aversion: the pass is not a purchase, it is a deadline you paid for.

📱 Digital traps
⚡

Energy timer

Wait, or pay to continue

  • 💸 Loss per 1,000 € risked (lower wins) 400 €
  • ⏳ Time pressure 80 /100
  • 🎣 Addictive pull 70 /100
  • 🥸 Camouflage 70 /100
  • ↩️ Chance of getting it back 10 /100

Did you know? The wait is not a limitation of the game. The wait is the product being sold.

📱 Digital traps
💎

In-game currency

Packs that never quite fit

  • 💸 Loss per 1,000 € risked (lower wins) 250 €
  • ⏳ Time pressure 45 /100
  • 🎣 Addictive pull 60 /100
  • 🥸 Camouflage 92 /100
  • ↩️ Chance of getting it back 15 /100

Did you know? Exploits the denomination effect: gems do not feel like euros, and the packs never match the price.

📱 Digital traps
🔫

Skin gambling

Casino with game items

  • 💸 Loss per 1,000 € risked (lower wins) 900 €
  • ⏳ Time pressure 75 /100
  • 🎣 Addictive pull 88 /100
  • 🥸 Camouflage 80 /100
  • ↩️ Chance of getting it back 3 /100

Did you know? Items instead of chips is the whole trick: it looks like gaming and works like a casino.

📱 Digital traps
🪂

Wallet-draining airdrop

"Free tokens, just connect"

  • 💸 Loss per 1,000 € risked (lower wins) 1000 €
  • ⏳ Time pressure 85 /100
  • 🎣 Addictive pull 50 /100
  • 🥸 Camouflage 88 /100
  • ↩️ Chance of getting it back 1 /100

Did you know? The signature you approve is not a login. It is permission to empty the wallet.

📱 Digital traps
📊

Finfluencer tip

Riches, in ninety seconds

  • 💸 Loss per 1,000 € risked (lower wins) 200 €
  • ⏳ Time pressure 70 /100
  • 🎣 Addictive pull 55 /100
  • 🥸 Camouflage 80 /100
  • ↩️ Chance of getting it back 20 /100

Did you know? Survivorship bias as a business: the ones whose bets failed never made a video about it.

📱 Digital traps
🎊

Confetti trading app

Investing, gamified

  • 💸 Loss per 1,000 € risked (lower wins) 150 €
  • ⏳ Time pressure 90 /100
  • 🎣 Addictive pull 80 /100
  • 🥸 Camouflage 75 /100
  • ↩️ Chance of getting it back 25 /100

Did you know? Animations, streaks and badges are casino design applied to your retirement money.

📱 Digital traps
🔁

Hidden app subscription

Three days free, then yearly

  • 💸 Loss per 1,000 € risked (lower wins) 350 €
  • ⏳ Time pressure 50 /100
  • 🎣 Addictive pull 40 /100
  • 🥸 Camouflage 90 /100
  • ↩️ Chance of getting it back 45 /100

Did you know? The cancel button exists. It is simply four screens further away than the buy button.

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