Why is this a bad thing? The psychological draw of gambling is very strong. Independent of execution, it seems like this product harnesses that aspect of human psychology to get people interested in saving money. Governments have utilized this same model effectively to entice citizens to save and invest: https://en.m.wikipedia.org/wiki/Premium_Bond
Indeed, my first used car that was otherwise in good repair and wasn't cheap had a recurring carpet beetle infestation that popped up each spring. Hundreds of the things crawling out of every crevice, and there was no way to know about it until months after I had purchased the vehicle. Could never find the source, but got it managed with yearly treatment. It makes me quite reluctant to buy used cars again.
Amazon's new hire vacation policy (in Seattle at least) is 2 weeks of vacation, and 1 week of "personal time", which is basically vacation but it has a very low accrual cap. After 1 year it goes up to 3 weeks of vacation for a total of 4 weeks.