The Banker's offer has nothing to do with personal desire.
The show proved that it just computationally figures out its offers. I have seen episodes where the contestant accepted an early offer and then they continue to play until the end. The bankers offers subsequent to the person's accepting one, shows up immediately with no delay so I think the offer is figured out by a computer and they just have a guy sit up in the bank and do nothing, hell, he probably drinks and jerks off while the game is playing. I doubt those sly, cheesy remarks are even said by the banker, Howie just makes it up or is scripted to say that. But you probably already knew that.
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