I also thought the same way because it is very important that these companies needs to be concerned about the well being of their customers which can give them more credibility too. If not for the risk of being addicted which happens to be their fear, they would have accepted the offer because the casinos was going to pay them well depending on any contract they reach.
The business owners are are just smart. Giving loans to gamblers is very risky except they offer collateral. Most of them will default in the loan because gambling is not a business. No matter how high the interest might be, I wouldn't give loan to a gamble because gambling is an unpredictable terrain.
I want to believe that the monies that are being loaned to these gamblers are probably profits gotten from other gambling games else no body will use their hard earned money to borrow a gambler even with a collateral. Although attaching a collateral to it kinda sounds more reasonable and achievable but any thing outside that will be seen very difficult and assuring. I know they must have already put a lot of interests on it already so we don't have to mention that.
