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GamblingAbout Gambling   

GP|Solo Magazine - October/November 2004 - ABA General Practice, Solo and Small Firm Section Gambling

By Meloney Crawford Chadwick

    "... compulsive gamblers frequently lose all sense of money as having real value. It becomes like play money. One counselor reports, “They’ll talk about bets, and simply say, I was down 500, but have to be forced to say the word, dollars."

Romanticized images of gambling pervade our culture. There’s James Bond, engaging in high espionage at the baccarat table, there are celebrities playing high-stakes poker in glamorous tournaments, and a fictionalized version of the operations in a Vegas casino is fodder for a prime-time soap opera. While gambling may be a spectator sport for some and an occasional indulgence for others, what we rarely see is a realistic portrayal of the wrecked lives of compulsive gamblers.

A generation ago, legalized gambling was rare, limited to the casinos in Las Vegas or Atlantic City, some racetracks, and a few state lotteries. Today, gambling opportunities are as close as the local convenience store or your laptop computer. It’s not even necessary to seek out online gambling sites. Spend some time browsing the Internet, and offers of free cash pop up uninvited on the screen, enticing users to gambling operations based in offshore locations.

More 80 percent of Americans participate in some form of gambling, according to the Florida Council on Compulsive Gambling. This number is likely to increase with the proliferation of new forms of legalized gambling, including scratch games, video keno, sports wagering, local casinos, bingo, and video poker. Government-sponsored gaming has expanded from lotteries to slot machines and electronic games as local governments experience budget shortages.

For those who lose their families, careers, and lives, gambling behavior is more than a financial problem. The saying goes, “it’s not whether you win or lose, it’s how you play the game,” and accordingly, gambling becomes a problem when it causes  disruptions in any area of one’s life: emotional, personal, physical, or vocational. The National Council on Problem Gambling estimates that 2 to 3 percent of adults in the United States (as many as 9 million people) have serious problems with gambling. Another 3 million meet the criteria for “pathological gambling” (also known as “compulsive gambling”).

Pathological or compulsive gambling is described by the American Psychiatric Association as a progressive addiction characterized by increasing preoccupation with gambling, a need to bet more money more frequently, restlessness or irritability when attempting to stop, returning to bet after losing in order to even the score  “chasing losses”), and loss of control manifested by continuation of the gambling behavior despite mounting, and increasingly serious, negative consequences.

The 1999 National Gambling Impact Study estimates that of the 125 million Americans who gamble at least once a year, approximately 7.5 million have some form of gambling problem, and another 15  million are “at risk” of developing a gambling problem. The study

indicated that problem gamblers cost society approximately $5 billion per year and an additional $40 billion in lifetime costs for productivity reductions, social services, and creditor losses. Other addictive behaviors are generally found with problem gambling and may be a contributing factor, but unlike alcohol or drug abuse, gambling addiction produces no telltale physical symptoms such as slurred speech or stumbling. Perhaps the only sign is a stream of vanishing money—frequently unnoticed until it is too late.

Problem gamblers typically fall into two general types: Action gamblers are typically men who prefer “skill” games such as poker, craps, horse racing, and sports, who believe they are smart enough to beat the odds and win consistently. Escape gamblers tend to be women or elderly people who gamble to escape problems, preferring “hypnotic” games such as slots, bingo, scratch tickets, and video poker. According to a study done in December 2000 by the online research firm PC Data, women make up the majority of Internet gamblers.

Experts believe that problem gamblers follow a cycle of progressive stages as they fall into the grip of compulsive gambling. Not all stages progress in an exact order, nor are they limited to a specific time period. However, they do manifest specific financial  ramifications.

  •  In the winning stage, the gambler still has money and feels in control. Gambling enhances self-esteem and ego, and winning seems exciting and social. The gambler may shower family and friends with gifts or take expensive vacations.
  • Eventually, the winning stage turns into the losing stage. As losses pile up, the gambler becomes preoccupied with gambling and makes larger and more frequent bets, “chasing” losses in the hopes of breaking even. At this point, the gambler will “max out” credit cards, cash in insurance policies, pawn or sell personal     property, and dip into retirement or investment accounts. Lawyers with access to client funds frequently are tempted to shift these funds “temporarily,” a decision that ends up costing them their license to practice law. Lies, loan fraud, absenteeism, family disputes, and job changes are frequent danger signs. Gambling counselors note that compulsive gamblers frequently lose all sense of money as having real value. It becomes like play money. One counselor reports, “They’ll talk about bets, and simply say, ‘I was down 500,’ but have to be forced to say the word, ‘dollars.’ They don’t view it as money anymore.” Compulsive gamblers may  approach family or friends to ask for money, but loans or gifts do not solve the problem. They only provide the gambling addict with fuel for another gambling episode.
  • Some problem gamblers will seek professional help at this     stage, but many proceed to the next stage before getting help. At the desperation stage, the gamblers experience health problems such as panic or insomnia as debts pile up and relationships deteriorate. Having exhausted their financial resources, some gamblers turn to crime, and action gamblers begin gambling like escape gamblers to avoid their misery and feelings of hopelessness. Others simply run away from their family and debts, or attempt suicide.

Help is available and involves treatment, counseling, and work with the family. The first step involves asking for help. If you are  concerned about a possible problem for yourself, a colleague, or a family member, your local lawyer assistance program can provide

information about treatment and insights specific to the legal  profession. Other resources include the National Council on Problem Gambling (www.ncpgambling.org), your local Commission on Compulsive Gambling, or Gamblers Anonymous (www.gamblersanonymous.org), a 12-step recovery program.

Meloney Crawford Chadwick, JD, CADC III, is an attorney

counselor at the Oregon Attorney Assistance Program. She can be reached at meloneyc@oaap.org.

(c) Copyright 2004 by the American

Bar Association. Reprinted by permission.

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