In general, it seems to me that having a transparent refund is now almost the only way for clubs to show their honesty to the audience. Usually, institutions hide the real conditions in small print or require a mandatory additional deposit before being able to withdraw the accrued amount, which greatly spoils the impression of the game. It is much more pleasant to deal with transparent rules when you know exactly your percentage and calmly play at your own pace, without thinking about artificial time limits. I hope that the trend towards simplifying bonus systems will continue in the future, because modern users are simply tired of complex schemes and want to see the most open and loyal attitude to their time and budget.