When I have 4 games running with 25 minutes left and need one goal in each, I lose all 4. But when I have one game running and my team leads by 2 goals, I lose that one. I don't care if the odds say 1.05, I know there's still a 15-20% chance my bet will lose, and it does. I'd say 20% of my winning bets burn in the last 5 minutes but only 2% of losing bets win in the last 5 minutes.