What about a situation like this: Fungi drops and the group of three all would like it, but they don't want to lose 100% if they lose the roll. So they agree that the winner gets the fungi, while the losers each get 20k from the winner. They are in essence each paying 40k with the winner getting fungi (pays 40k, receives fungi) while the two losers get 60k back (net +20k). Or looking at it another way, the other option this group has is to sell and split the funds. Let's say they could get 75k for the fungi, or 25k each. Essentially they're each paying 5k for a fungi roll.
This isn't some crazy scenario that will never happen. I've often split loot like this where everyone wants the item, only one person can have it, and everyone agrees losers should get some money from it.
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