collydolly wrote:
We were very surprised that she believed the banker

It was a classic bluff. Banker says you have 50p. Do you believe him or not. I would say on balance you are more likely to believe he was telling the truth if he said you had 20k in it so refuse to swap. Thats why it was clever to say she had 50p. In effect he had nothing to lose.
If you rewind to the scrooge where he looked in her box he must have been quite worried when he saw 20k. If he had offered £4k plus, then why? unless she had 20k. Considering the other amounts of 50p, £1, £100 were peanuts, the actual offer of £750 was an interesting dilemma. It almost guaranteed she would go on. I would say she was was a gambler given her quick dismissal of 1st offer.
Lets assume he hadn't opened the box. Would a realistic offer (with 50p, £1, £100, £5k, £20k) have been more like £2k. After she revealed the £1, £100 the next box would have been either the 50p or the £5k. He knew she had the £20k, so by offering the swap (rules, what rules? lol) gave himself at least an opportunity she would give it away.
I don't buy into the 'feelgood' factor. If that was the case, the producer wouldn't have offered the swap, knowing it would have been a final £20k vs 50p or £20k vs £5k. The fact it was a rotten ending with her crying, doesn't mean you will never watch the show again. We all love a good winner, but we all love watching a loser too
