OK, here's the deal. You can win money, but cash payouts are small (25-50¢) & you have to accrue at least $10 to cash out. The odds of ANY cash payout fall drastically the closer you get to $10. (I've been stuck at $9.85 forever). Every scratcher that doesn't give cash does give tokens. Minimum payout for tokens is ~1k, and 1m tokens is redeemable for ~$1 worth of gift cards. Unfortunately, the gift card store is almost always out of stock, but I have been able to cash out for a gift card once.