The goal starts out at 20,000 coins to allow you to cash out. There is no exact conversion from coins to $, so even if you try to make 200,000 coins within the 3 hours, the cash out equivalent is only around $2. Then when you try to cash out, there is a 5% fee if you choose paypal. They also require way too much info, when all is needed for paypal really is just your paypal email. Even with Amazon-- they also require your full name, address, and face scan. Banks don't really even do that.