I think you guys are right. You'd rather pay an extra nickle to come off of 3's, 7's, 10's, 14's, 17's, 21's and 24's. These are the most common margins of victory. Any other spreads, you're better off with nickle juice.
I'm pretty sure they're owned by BOS. The way I understand it, BOS pretty much owns all of the books under Wagermall. So far they seem pretty fair. Don't plan on requesting a payout until after the season ends. I assume they'll pay. BOS is a publicly traded company.