Do you pay FC, or does FC pay you?

Not much happening at the moment, but looking at the account in another way I noted that, while I have the idea that I pay FC a 1% fee for their services and 0.25% to sell, in fact they pay me to lend. These promotions mean that overall FC have paid me twice as much as I have paid them. In fact I find that averaged over my membership of nearly three years they have paid me, the net of fees and promotions, over £1,000 pa for the privilege of organising my lending.

I note that they lost £10M last year, my contribution to that being small, but there are many lenders. I wonder if other forum members are in the same position and whether we should be seeing Father Christmas, our benefactor, in a rather different light?