It is hard to do only because it has not been made easy to do. I see no difficulty in implementing something like this into a home game -- all you need is a computer. But you are right, in a B&M scenario, this is not practical.

If I was ever propositioned to "do business" I would ask for a premium. Clearly, your opponent is short-run focused or risk-averse -- either way, he might be willing to accept a 5% cut right off the top. Agree?