1 in 3 numbers is very good. You hit 3 numbers in a line but as you need to hit bonus to have a prize, the way you played guarantees a prize in 286 lines. As it's difficult to hit 3 bankers, you could combine 1 banker and 5 numbers of the 13, three times by this wheel: 13,5,3,5=8;
e.g. Bankers= A,B,C
1- A, 1,2,3,4,5
2- A, 6,7,8,9,10
3- A, 11,12,1,3,9 etc
...
8- A, 1,8,9,12,13
Now for banker B:
9- B, 1,7,10,11,12
10- B,.....
....
16-B, ....
and same thing for banker C.
The good thing this wheel gives is the opportunity for you to change (randomizing) the 13 numbers, while maintaining the prize 3if5. You can play 8 lines with banker B (and C) different from those you combine with banker A. This way you spread the possibility to win a prize if only 3 numbers hit in the 13 numbers.