would need at least 30 <| sep |> It comes down to how risk adverse people are if they ' re willing to risk losing more $ to cover their initial bet or if they ' re willing to risk it all for a chance for a massive payout . Personally I have used the cash out to guarantee a return and have had the final leg go both ways i . e . it lost so I still won money , and they won the final leg so I effectively lost money but I don ' t have any regrets as at the time I felt like it was a good decision . I agree with what you ' re saying that the cash out option is significantly reduced i . e . they ' re saying the odds you ' re forced into are $ 2 when it ' s $ 1 . 50 etc but at the same time if you ' re on the last leg of a multi you have already made quite a lot of profit in the first place , so taking what you ' re offered and not risking it all can be a smart move . Depends , as I said , on how risk adverse people are and if they ' re happy with what is offered at the time .