Hello, Yes, you have to pay for any quest four (unless it is a special game E.g. WarThunder) but you will get more value back in rewards :D

but i can get a £5 steam card in my local shop and in this game i have to pay £4.99 and i only get a $5 gift card in gamekit store so i would be losing money if i did quest 4

also the current money exchange thing is 5£ (Great British pounds) is 3.82 dollars

I just did the math if i had to spend all of the 3000 points i get from the quest i would turn into money i would get only $5.50 and if you turn that into £gbp 4.21 so i would be losing money again ( explain please)