The rules FYCC actually uses
Score = sum of successful payments. Public identity = opt-in. Rank = sort the public scores. Stop = cancel at period end. Delete = billing stops now, history kept, number retired.
No loot boxes. No prize pool. No 'pay this Price to skip to #1'. If the game is too sharp, do not play it. That is the entire responsible paragraph.
What we will not say
We will not tell you this is a smart way to spend. We will not tell you it teaches discipline. We will not tell you the whale is winning at capitalism. They are winning at a leaderboard of forgotten invoices.