If you don't know the answer better guessing with three than two, I think they should give a consolation prize to the losers as sometimes the winning contestant is miles ahead moneywise and the others are just going through the motions Ben will say let's put the money in your bank and next minute you reached your Tipping Point lets take it away should be named In It To Bin It!!
I think they get the same question whether they opt for one, two or three counters. If it's a subject they know nothing about and are going to have to guess the answer, they might as well go for three. If they go for one and guess correctly, they have wasted the chance of having three counters. If they go for three and guess wrongly, they don't get three counters but they wouldn't have got one either.