I wanted to respond to my question with my own first-hand experience with Yotta in case anyone else stumbles across this and might be nervous.
I created an account and deposited $500 a few weeks ago, I felt okay knowing Yotta accounts are FDIC insured and my cousin said she's had an account for 4 months without any issues. My first week I had 120 total tickets and won $5.25, second week I had 20 tickets and won $0.25, last week I had 20 tickets and won $0.10.  $5.60 in three weeks on a $500 deposit isn't too bad!
I guess I would say you're probably not going to get rich, but I've made waaaay more in my Yotta savings account in 3 weeks than I have made with my Chase savings account over the past 5 years.  And it actually gets me excited to check my bank account every night for the next lottery ball number.