just because some one "could" afford to lose $3M in an online casino does not mean that it's OK
5 months isn't a long time for disputes, and normally they get settled way before any legal action is required, you don't just call up a lawyer and go straight to court in front of a judge lol
I wouldn't wait five months if a casino shows no intention to paying out the winnings. Five months IS a long time for disputes. If a casino wants time for investigation or something like that, I would allow the time they need. But once the decision is made and they say that they won't pay my winnings, I would straight call up a lawyer and file a case against the casino. Also, I have to check if I am guilty of doing anything wrong; if I am not mistaken about anything, then there is no need for the delay. Of course, I wouldn't dare to file a case if I knew that I was not going to win the case.