The problem with loot/chest
You have a chest available and need it because leveling takes too long.
Because you have no BE you have no champs, the only champs you do have you've earned a chest on.
You now have to either get a champ to earn a chest, negating the money earned.
More likely, you have that one guy you bought who you suck with.
You now have to earn a S- on a champion you cannot play.
When you do after about three years of trying you'll get an Annie shard.
See whats wrong?