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It's just a regulated amount set by the government of each region, the manufacturers want to make them as profitable as possible, but the regulations say they can only be so profitable. The thing is, if you're losing 2% per game, it doesn't seem like much, but the point of slots is you play a lot of games, people sit there for hours and hours and the machines can run multiple games at once in some cases. You can lose all your money quite quickly.
I never worked on physical machines so I can't really answer any questions about coins, I just got data sheets with the reels on them and info about stuff like custom rules and bonus rounds.
Yeah it's maybe more insidious with a 2% loss rate too. I went to a casino once in my lifetime because friends, lost like 20€ split in 4 actions, and that's it. Had I been able to play for 20 minutes, gaining a little but eventually losing it all I might have felt I got something for the money for example.