When it’s No Longer Fun and Games

James Bernardo explores the social and financial consequences of online gaming and sports betting, and the psychology that keeps people coming back.

Our brains are wired to remember the feeling of victory. Winning is an intoxicating sensation. Sometimes, all it takes is a single moment.

A notification flashes across your screen. You’ve won.

For a fleeting moment, time stands still.

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Your heart races as your mind replays the events that led to this moment. Was it a last-minute goal, a buzzer-beater, a lucky spin, or a horse nobody believed in? Regardless of the game, the feeling is unmistakable—you’ve not only made money but also proven yourself right.

This rush is what keeps people coming back.

Contrary to popular belief, it’s not solely driven by greed. Neuroscientists have discovered that winning activates the brain’s reward circuitry through dopamine, a neurotransmitter linked to motivation, learning, and anticipation.

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More significantly, dopamine doesn’t merely reward us after success; it compels us to seek that exhilarating feeling again. The brain begins to associate uncertainty itself with excitement, making the prospect of winning almost as pleasurable as the win itself.

For most people, this is where the story ends. They celebrate, cash out, and move on. However, for others, a different outcome unfolds.

They lose.

“It’s okay,” they tell themselves. “I’ll win it back.”

The next bet becomes less about making money and more about recovering what was lost. Then comes another loss, and another. What started as harmless entertainment quietly transforms into a pursuit—not of wealth, but of redemption.

Some refer to this phenomenon as The Gambler’s Fallacy, while behavioral scientists label it Loss Chasing, a defining characteristic of problem gambling. Instead of walking away, the gambler doubles down, convinced that the next win will erase every previous mistake. Ironically, the deeper the losses become, the harder it becomes to stop. The wager is no longer against the odds; it’s against regret.

The wager is no longer against the odds; it’s against regret.

For centuries, gambling demanded effort. People had to travel to casinos, purchase lottery tickets, or gather around card tables. Natural interruptions like closing hours, distance, and social visibility forced them to pause before placing another bet.

Today, these barriers have vanished.

Casinos are no longer confined to physical locations. They reside within every smartphone.

Image by Ott Maidre

Whether waiting in line for coffee, commuting by MRT, or lying awake in bed, anyone can place a wager in seconds. Digital wallets eliminate the need for cash, while live sports transform every possession, corner kick, and free throw into a betting opportunity. Every game becomes interactive, and every moment becomes a chance to make money.

Few industries have embraced digital transformation as completely as online gambling.

It offers a seamless experience, personalized recommendations, round-the-clock availability, and is designed to engage users.

From a business perspective, it’s an impressive feat of product design and technology.

However, from a societal perspective, it raises challenging questions.

Convenience can change behavior.

The easier something becomes, the more frequently we engage in it. Streaming replaced DVD rentals because it eliminated friction, ride-hailing replaced taxis for the same reason, and food delivery transformed our eating habits by removing friction.

The easier something becomes, the more frequently we engage in it.

Online gambling has achieved the same effect.

The Philippine gaming industry serves as living proof.

According to the Philippine Amusement and Gaming Corporation (PAGCOR), the industry generated a record ₱372.33 billion in Gross Gaming Revenue (GGR) in 2024, a 30.5 percent increase compared to the previous year.

Even more remarkable was the performance of electronic games and e-bingo, whose revenues surged to ₱154.51 billion, an increase of over 165 percent in just one year. Digital gaming has emerged as one of the fastest-growing segments of the country’s gaming industry.

These figures are often celebrated, and rightfully so. They represent job creation, tax revenue, investment, and a thriving digital economy.

Revenue alone doesn’t tell the whole story.

The real question is, “What happens when an industry becomes so successful that its unintended consequences start to grow just as quickly as its profits?”

This question is no longer theoretical.

Regulators, healthcare professionals, researchers, families, and increasingly, brands, must all start asking it.

Ninety minutes can encompass hope, despair, redemption, heartbreak, and triumph.

I saw a clip of a well-known influencer losing his mind after his team lost a World Cup final. The reaction was intense. The question that followed was simple: “What happens when that kind of emotion is paired with real money?”

There’s a reason sports have always attracted gamblers.

Sports are pure emotion.

Ninety minutes can encompass hope, despair, redemption, heartbreak, and triumph. Every goal shifts the narrative, every missed free throw rewrites the future, and every penalty kick compresses an entire nation’s expectations into a few suspended seconds.

For generations, fans have wagered on those moments.

The difference now is that betting isn’t just before the game starts.

It happens during the game.

A corner kick becomes a betting market, the next point becomes a betting market, the next yellow card, the next substitution, the next serve, and the next possession.

Modern sports betting has transformed spectators into participants. Fans no longer just watch to see who wins; they increasingly watch to see if they win.

From an engagement perspective, it’s brilliant.

Every second matters, and every play has financial consequences.

Modern sports betting has transformed spectators into participants. Fans no longer just watch to see who wins; they increasingly watch to see if they win.”

The line between entertainment and investment starts to blur.

The other side

But there’s another side to emotional engagement.

What happens when hope turns into frustration?

When confidence turns into panic?

When a night’s entertainment becomes a month’s salary?

Researchers have been asking that question for years.

One of the most cited studies was conducted by researchers at Lancaster University, including Stephen Kirby, Brian Francis, and Ros O’Flaherty. They analyzed police records during the FIFA World Cups of 2002, 2006, and 2010. Their findings were quite striking: reports of domestic abuse rose by 26 percent when England won or drew and by 38 percent when England lost.

The researchers were cautious in their conclusions, emphasizing that football itself did not cause domestic violence. Instead, they suggested that major tournaments seemed to amplify existing circumstances associated with abuse, such as alcohol consumption, heightened emotional states, and patterns of coercive or violent behavior.

Public health research has reached similar conclusions. Alcohol misuse and relationship conflict are well-established risk factors for intimate partner violence. Large sporting events can act as emotional amplifiers. For households already under strain, the intensity of victory, defeat, drinking, financial stress, or gambling losses can increase the risk of violence.

This distinction is crucial.

Football does not cause abuse.

Neither does gambling.

People who lose a bet do not suddenly become violent because their team missed a penalty.

Violence is a choice, and responsibility lies with the person who commits it.

However, research suggests that gambling losses, alcohol, and intense emotional investment can become accelerants in relationships where abuse, coercion, or volatility already exist.

Image by Akshar Dave

In other words, the match is not the fire; it is the spark.

This dynamic may become increasingly relevant in countries like the Philippines, where smartphone use and digital payments are rapidly expanding. As access becomes easier, online sports betting becomes more deeply integrated into the rhythms of major sporting events. This does not mean that betting automatically leads to harm. It does mean that the potential for gambling-related harm increases when wagering becomes faster, more frequent, and more emotionally charged.

That’s significant because gambling losses rarely stay personal for long.

A lost wager might start as a personal decision.

However, its consequences are often shared.

The rent still needs to be paid, school fees still arrive, and groceries still need to be bought.

When money disappears unexpectedly, so too can trust. Financial secrecy, repeated borrowing, hidden debts, and broken promises are among the harms documented in the gambling literature [4].

These aren’t dramatic headlines.

They’re quiet conversations behind closed doors, arguments that children overhear, credit cards quietly cut up, jewelry quietly pawned, and bank accounts quietly emptied.

By the time a gambling problem becomes visible, the damage has often been accumulating for months, or even years.

That’s why many public health experts argue that the conversation should move beyond addiction alone.

The real issue is gambling-related harm.

Not everyone who experiences harm has a gambling disorder.

Not every harmful outcome ends in bankruptcy.

Sometimes the cost is simply a family that no longer trusts one another.

Sometimes that’s more expensive than money.

And if the industry can make betting frictionless, it can also build friction back in where harm is most likely: spending limits, cooling-off periods, self-exclusion tools, and advertising standards that don’t turn every match into a financial dare. The final whistle should mark the end of the game, not the beginning of a family crisis.

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