My friend Rita taught me this game and she was taught by friends who were taught by friends and so on. (Isn't that the way all good games come to you?) We've had so much fun playing and most everyone who learns wants to play again and again. It's not a hard game but the wild card changes with each hand as does the number of cards you're dealt so you must pay attention. We now play at least once a week.
The game changes a little when money is involved but we've always played that way. I'm not sure I know anyone who plays just for fun except my niece. However, gambling is illegal in most states so this website in no way encourages that element. Having said that, these are some of the wagers you could incorporate if you lived in Nevada, for example.
Quarters: Ante one quarter per player per hand. (So the maximum you could lose if you lost all eleven hands is $2.75.) The first person to use all their cards (or go down) gets the quarters. You ante another quarter for the next hand and so on. Of course you could play for pennies or dollars or any other amount. At the end of the eleven rounds the winner is the one with the fewest points and they get whatever amount you agreed upon per player. We play $2 per game. This limits your losses and makes each hand a little more interesting.
Points: When we first started playing it was for $.10 per point. At the end of a round of eleven hands the winner with the fewest points had their score subtracted from the other players. For every point differential the loser paid a dime. That got expensive. Since eleven hands was never really enough we agreed that a complete "round" of 313 would consist of three sets of eleven hands. That mitigated some of the losses but still found ourselves losing $20 or more. We decided to play for a nickel per point.