But if you can convince enough other people to pay $25 a month to give away 80% of their winnings – then you’re OK.

That’s not a business.

There’s nothing of value here for lottery players. And what’s a business without a half decent product.

It’s a house of cards, and I’d be very surprised if it lasted the year in it’s current form.

I agree with your math. The adjusted rate of winning a portion of the Jackpot is 1:58,000,000 with the floating five feature. The same chances as buying 3 lottery tickets every drawing which would cost you $26 per month. When you look at it this way, the $25 a month subscription to Xzotto’s software system increases in value. Of course there is the difference between winning the whole prize on your own or sharing the prize across 11 people but Xzotto (and all other lottery pools) are built on the idea that part of something is better than all of nothing. Your monthly out of pocket are similar however with Xzotto you sacrifice a % of the winnings for the opportunity to build a business.

[...big edit...]

Robert