Thanks for the reply UB but that still doesn't make sense to me. If BF take $20 off me for a losing $1 lay bet they still get their 5% -7% on the $20, someone's matched it somewhere.

Seems to me like a money grab from the colonies. With all the publicity here about responsible gambling I'd have thought BF would have had their wrists slapped a long time ago about lay bets. Obviously not.