How does the point of view of “the bet” affect the reader’s experience?

because the story is told from different points of view at different times, the reader is left to infer what the characters experience.

because the story is told in third-person limited point of view, the reader understands the story from the banker’s perspective.

because the story is told in third-person omniscient point of view, the reader understands the story from all angles.

because the story is told in first-person point of view, the reader understands the story as if he or she were personally involved in the events.