It is absolutely misleading and it is, of course, intentional. It wasn't always like this though, when sports betting took off in my state I played around with a bit in 2021 and all of the Free bet type stuff on Fan Duel was still credits, but if you won the bet, you got the full payout, not just the winnings. If you played specifically to their promotions you could make quite a bit of very low risk returns. Seeing as my betting on a weekly basis is measured in single digit dollars and only during football, I obviously didn't see that money, but I think it's obvious why they changed the policy.