When you play a 4-team or 5-team parley and just need the last team for a winner, why do people always want to "buy back" on the last team to make sure you get paid something? Why not just play one less team, then you already have a winner? I guess there could be certain situations that may dictate a buy-back, like you are losing for the day and you want to make sure you break even or win for the day. But if you are going to buy back the last game on a 5-teamer, just play the 4-teamer. Right?
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