The only bet I'll have to get a hat is early in the morning, or late at night due to a 3 hour flight. I have a decent amount of credits, but if it was something like ~50k, there is no way I could get it. I see it being closer to 10k than 50k due to the severe strain it would put on players to grind out 50k, and besides, hardly anyone has 50k. You might have 50k, but not everyone does.