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Normally, yes, but Yotta looks like a form of "Prize-based savings"
https://en.m.wikipedia.org/wiki/Prize-linked_savings_account
They are "no lose lottery" in the sense that you don't put up money directly to enter, you just open a "savings account". But they pay far less than market rate to fund the payouts. So in a sense, you pay for the entry with reduced returns on your "savings".
So similar to premium bonds? Usually those are government backed though.
Yes, similar to government-backed premium bonds, in the countries where they do stuff like that. But they are not run by the government, so they need to be called something else.