That BTC at the base 4.69% interest rate would have produced 0.003283 BTC (~124.1 USD at current rates) in a year.
The annual interest rate is 4.08%.
In exchange, you get 16*365=5840 WOF spins + 1.1725% more of annual interest per year.
This is assuming you have hold your tokens for at least 365 days.
If you purchase 500,000 FUN tokens, you would get 5230 WOF spins in the first year and 5840 WOF spins in the next years.
1.01x is a dangerous multiplier, in my opinion. At least it's like that for me. Normally I lose definitely more than once during a hundred bets, and it's a stressful loss that you don't expect.
That's normal.
The probability of winning in a game with multiplier of 1.01 is 94.06% and it's expected that you lose 5.96 times in every 100 bets on average.