Economic Idea - A Gambling account - A form of Gambling through Banks.

A Gambling account is a method of gambling through a bank.
1) You play a lottery through the bank for a cash prize and, if you lose, the money you lose is placed in an account with your name on it.
2) In order to get your money back you have to win it back by playing the banks lottery but, each time you lose, as I've said, the money you lose is just added to that account so that, one day, you may win back all the money you've lost plus the cash prize you originally hoped to win.
3) In the mean time the bank can use that money as they use all the money that their customers put into their bank, to make investments and loans.
4) Furthermore, just like an ordinary bank account, interest could be added to the account over time so that the ammount a person can win back is greater than the ammount they've lost.
5) Why is this attractive? -
a) Bankers Perspective: It is a bank account that money can't be withdrawn from until you win it back; surely thats of interest to a banker. Basically, until you win it back, the bank owns it.
b) Betters Perspective: When or if you do win then you can win back all the money that you've lost. (How many gamblers ever manage to win back all the money they've lost?) plus, the cash prize, plus the interest that the money in the account will have accumulated over time.