Yes I didn't fully investigate the differences between the two schemes. I understand the model, so I deleted the post.
Still though, what happens if you don't get enough plays on HC Lotto to cover the investments on HC Invest?
A starting capital will pay for the interest on HC Invest. It is not much. And if HC Invest will take so much money, we will either control it either by increasing confirmation times to slow it down and in effect pay lower interest which in effect reduce the buffer levels, or we can also add new investments opportunities like lending to other people for higher interest and we can also increase the jackpot of HC Lottery since we will have enough buffers to smoothen out the variance in small bet/big payout gaming systems.