With respect to the elk draws, Interest won't come close to covering the processing fee. That is unless most people pay with a check and not with a credit card. They only have the funds from the elk draws for a month or so. With interest rates being a couple of percentage points, the interest earned over a month would be much less than the processing fee. This assumes that the processing fee is at least 1 percent. Now maybe they do better on the other species, as they have those funds for a longer period.