Probability of drawing three hearts: 13/52 * 12/51 * 11/50 = 0.013
Probability of drawing three black cards: 26/52 * 25/51 * 24/50 = 0.118
Probability of drawing anything else: 1 - 0.013 - 0.118 = 0.869
0.013 * (55 - 5) = 0.647
0.118 * (25 - 5) = 2.353
0.869 * (0 - 5) = -4.347
Expected value of one play: 0.647 + 2.353 - 4.347 = -1.347. Do not play this game.