A lot of gamblers interpret RTP wrong.
It has nothing to do with your account balance or deposits and everything to do with the money staked/bet/played.
Example for demonstration purpose - imagine a game with exactly 95% RTP all of the time.
£100 starting balance = £100
You do 100 spins at £1
total staked in those 100 spins = £100
Total returned = £95
casino has won £5 which is 5% of £100
Your balance is now £95
You another 100 spins at £1
total staked in the 200 spins = £200
Your balance is now £90
Casino has won £10 which is 5% of £200
It is the churn. It is why roulette in a live casino has 97.3%(2.7% house advantage)RTP but a casino will expect the hold percentage (the percentage of the actual buyins/deposits that the casino will win) to be between 14% - 17%
people continue playing, you might have only bought in for £100 but you stake much more then that. Stake £100 get back £97.30(on average/large sample size etcetc) then you stake that £97.30 and get back £94.67, stake that £94.67 and get back £92.15, stake that £92.15 and get back £89.63, stale that £89.63 and get back 87.21……. Continue until you have £0
The casino can still say, and quite rightly and truthfully so, that they paid out 97.3%. They paid out 97.3% of the money staked but to the player it will seem like they lost 100% of their money.
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