I am still a bit positive that my method beats all of yours:

1.12x payout. You start with a base bet of 0.01. You bet like this:

0.01
0.011
0.0121
0.01331

Then do it all again. At any point if you lose a bet, you do 5x the bet. NOT 10x as people normally do. Example:

-0.01
-0.05
.25 bet (win 0.0275 or so).