Cashout is optional, it's just a feature to make gamblers decide early with some offered conditions and this decision is not such that will make you go home empty-handed, even in the worst cases, so the choice lies with you. For me, this is a neutral feature that no one is forcing anyone to choose, we should not complain. We can ignore it entirely and allow our games to finish and we can outsmart the situation with it and go home with something good. This feature would have helped many who got their ticket spoiled by a single game.