Yeah, we have the same exact problem. One of our members bought one of the items for random credits and ended up losing 178 credits when the item had been setup to lose a maximum of only -25
The only thing I can tell with my extremely limited knowledge of php is that I believe that the RandomMoney.php script is not taking what we actually typ when setting up the item and using hard coded variables that are in the RandomMoney.php script instead which defaults to -190 and 190. When I changed those to -25 and 150, then nobodys ever lost more than 25. But the big problem seems to be 1. what you mentioned. It would be nice to not have to hard code every random money item I want to put on my forum and 2. The odds of winning seem very very slim. Out of 25 items that I bought all of them lost credits.