Someone could cleat the full 26k site bankroll with about 3Mil by just always betting at 98% until the site is bankrupt.
I wish someone would try...
Were you around for while we were testing the site with testnet coins? I gave lots of players millions of coins to test this out. None of them succeeded in making a significant dent in the bankroll, and the bankroll increased many times over. Each time you win a 98% max bet, you win 1% of the bankroll. Each time you lose one, (about 1 in 50) you double the bankroll.
See where that leads in the long term?