What can you even do with .01 of a BTC?
10 mbtc is 4 $. Its not bad for people who play dices with low bets. When you play dice game you can see on chat how many people ask for loan for gambling 0.5 mbtc and higher.
When I play and someone is asking for 1, 2 mbtc I give when I have. Good people return that, more then 20 mbtc I never saw again after lending.
After a month of playing I had few trusted people who asked all the time for loan and they return that with interest.
So can you imagine if you take 4 $ from 10 places, you have 40 $ for yourself.