To make rummy a good metaphor for this discussion, you need to modify the normal $1/point rummy gambling rules; say making gin gives you $1000 bonus from the house or something. (There's a resemblance to quiddich here, I think.) Anyway, now you have the two extreme strategies: knock if you can, which gets you a few dollars each time, or try exclusively for gin, which usually costs you money on each hand but sometimes pays off. If you're skint, the gin strategy won't work since you can't stay in the game long enough. If you're flush, the knock strategy is uninteresting because a few dollars doesn't make a difference.
Now make that bonus $10,000,000,000 and you're making some unicorns, Harry!
Now imagine you only have budget for a single round before being eliminated and some of your opponents have money to keep playing indefinitely. That would be the most accurate metaphor
