Bet on whether they get into a car accident, and then see what happens if all of a sudden that number starts spiking towards 100%.
We're not interested in expected value or winning the bet. If anything, it's the opposite: The "goal" is to lose the bet due to a situation caused by the pattern of betting, with something beyond any actuarial tables because it's not an independent event.
If I can presume to speak for up-thread commenters, we've agreed the system is inherently exploitable and harmful, and we're either (A) imagining the schadenfreude of using that same evil to harm the people who promote it, or at least (B) imagining them forced to fear the monster they're unleashing on others, so that they take steps to limit it.
There are other imponderable factors at work. For example, does not-wealthy cause substance abuse or does substance abuse cause not-wealthy?
We are all the sum of our choices.