I go to our local casinos a lot and they can be quite crowded. I am pretty sure that many of the customers are in the 37% category that the article talks about. They may not be able to afford an emergency repair, but they seem to have no trouble risking their money of the slots!
They can spend money paying fees to a financial advisor who tells them to stop playing the slots—and then ignore the advice.
Lol.
I know of people .like that. Friends of my mother. They got into a financial situation and was about to lose their house. People at church got together and raised $9000 to catch them up. They took that money to the casino thinking they win enough to pay off the mortgage. Big surprise they lost it all and their house.
Some people at the casino are actually in dire straights for other reasons and have exhausted every other option they know of to turn it around.
See the early history of FedEx