[shummie]

Because you only win in $36 increments ($35 payout plus your initial $1 bet).

Assuming a starting bankroll of $36... If you play 36 times and you haven't hit, you have 36 - 36 = $0. If you have hit once, you have $36(start) + $36(win) - $36(bets) = $36.

- Jason