I'm a PhD and have been playing PCH games/lotto etc. for over a year and have nothing to show for it but nearly 60m tokens in one account amd 25m in another. Every evening I spend up to 100k tokens for "rewards". We order some small item at least once a month. All we ever receive is some $ store item worth "a dollar or two" and at least 20 emails a day from PCH. Yes, playing is enjoyable but entirely non-productive. What am I not understanding?