Why 96% RTP Doesn’t Protect Your Bankroll: Simulating Gambler’s Ruin While working on my slot engine , I was experimenting with different mathematical models and game modes. One question kept coming up: if a game has a 96% return to player, what does that actually mean for someone playing with a limited bankroll? At first, 96% sounds like the player gets most of their money back. But winnings can be wagered again, and each new bet exposes the remaining balance to another possible loss. T...