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What does the bid-ask spread compensate a market maker for?

A market maker quotes 99.9899.98 bid, 100.02100.02 offered all day. Naively, every buy-at-bid, sell-at-ask round trip earns 44 cents.

Why isn't this free money? What three costs does the spread have to compensate for?

Show a hint

Think about who trades against a standing quote, what the market maker is left holding between trades, and what it costs just to operate.

Your answer

This one is open-ended. Work it through, then check your reasoning against the full solution.

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