Here's a version with two possible starting boards. Depending on a coinflip (or anything which is unbiased), you can have a safe board, or a dangerous board.

Here's the player's board:



And here's the banker's board:



Anyone who wants to use these boards in your games, feel free to do so. Link to download the spreadsheet for this, with the addition of making offers, is here:

Player vs Banker (OpenOffice)

Is there an excel version of this game? If yes, you ...