If the world was run this way there would be no stock markets, loans or lotteries at all. Good way to run things!
Bullshit. Stock Markets, loans and lotteries are backed by the law and consequences if you cheat.
You are an anonymous account asking for irreversible currency. It's the wild west in comparison.
Even if you won, chances of you keeping your word and paying out 12btc is slim to none. You'd just make a new account.