Everyone has the opportunity to roll on loot. Whether you win or not is based on the luck of the roll and whether anyone is competing with you. Sometimes you get stuff that you can roll "Need" on and if no one else can roll "Need" you could win even if you roll a 1. If someone else can also roll "Need" then you have to roll higher than they do. If you can only roll "Greed" you will automatically lose even if you roll 99 if someone else in the party can roll "Need." If everyone rolls "Greed" it goes to the person that rolled the highest number.