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In Their Own Words – Crystal’s Story

In Their Own Words – Crystal’s Story

I never expected to share my son’s experience with gambling. If you had asked me a year ago, I would’ve told you my son was doing great. He’s 20, works full time, makes good money for his age and has a solid group of friends. From the outside, everything looked fine.

But last August, we started noticing financial activity that didn’t make sense. Everyone in our family has accounts at the same bank, and my husband could see transactions across accounts. He saw that our son had been moving money around — taking a few hundred dollars at a time from his sister’s account and putting it into his. He hadn’t told anyone about this so it caught us off guard. That’s when things started to click: this wasn’t just a phase or a few bad decisions. This was a gambling problem.

All of this caught me by surprise. I had no idea my son was gambling, and on what and how often. I learned that he’d been gambling on many thing: sports betting, online casinos, blackjack, poker, slots and even occasionally Keno and dice games. Most of it happened right on his phone.

Looking back, I can see the signs now — the lying, the secrecy and the irritability when he wasn’t gambling. He told us he’d tried to cut back and couldn’t, and that he was thinking about gambling all the time — whether chasing the last loss or planning the next bet. He also indicated that he needed to bet more and more to feel the same excitement.

As a parent, this was hard to wrap my head around. You replay everything in your head and wonder how you missed it and how maybe you could have stopped it sooner.

The truth is, this is everywhere now, something I hope more parents understand. Gambling isn’t just something that happens in casinos anymore. It’s in your kid’s pocket. It’s online, it’s tied to sports, it’s woven into games. My son told me he placed his first bet at 16 — and he’s not alone. The kids he hangs out with, mostly 20- and 21-year-olds, are all doing it. It’s just normal to them. That makes me angry, honestly. There’s so little awareness of how easy it is for this to spiral.

Once we understood what was happening, we acted quickly. We went to the bank and removed his access to our family accounts. We set up alerts so we’d know when deposits hit. We started paying closer attention.

Then I searched for help. I typed “what to do with underage gambler” into my computer, not even knowing if that was the right phrase. That search led me to resources and eventually to the Minnesota Alliance on Problem Gambling. I even attended their conference last fall, just trying to learn anything I could.

Now, my son is taking a big step, meeting with a counselor. That gives me hope, because he’s tried to stop on his own, but couldn’t. He’d make it maybe two weeks, and then he’d be right back at it. This isn’t about willpower. It’s bigger than that.

“Just getting him to the point of seeking help was hard because he was scared of being judged and that it would make him feel worse about himself. I think a lot of young people feel that way. “

Just getting him to the point of seeking help was hard because he was scared of being judged and that it would make him feel worse about himself. I think a lot of young people feel that way. If there’s one thing I’d say to other parents, it’s this: getting help doesn’t make your child weak. It gives them a chance.

We’re still figuring this out as a family. It’s not always easy. My husband sees things more black and white, thinking he should “just stop doing it.” I understand that reaction, but I also see how much shame our son already carries. I’m learning that how we talk about this matters.

I’m also thinking about talking to a counselor myself, just to learn how to support him better. For example, what do I say when I’m at a restaurant and there are pull-tabs on the table? What do I do in everyday situations that suddenly aren’t so simple?

If you’re reading this and feel like something might be going on with your kid, trust that instinct. Ask questions and have the conversations, even if they’re uncomfortable.

If you determine that your child might have a gambling problem, know that you’re not alone. There’s help out there — for your child and for you.

That’s what I’m holding onto right now: hope — and the fact that we finally took that first step forward.

Note: Parents Standing Together, a newly formed group for parents of young people with problem gambling, is an additional resource.

 

Frequently Asked Questions

What are the hidden signs of a gambling problem in young adults?

Signs can include unexplained financial activity, secretly moving money between accounts, lying, secrecy, irritability when not gambling, an inability to cut back, and needing to bet more and more to feel the same excitement.

 

What should parents do if they suspect their child has a gambling problem?

Parents should trust their instincts, ask questions, have uncomfortable conversations, and seek professional help and resources like the Minnesota Alliance on Problem Gambling or the newly formed group Parents Standing Together.

 

Where can parents of young adults with gambling problems find support?

Parents can find support through organizations like MNAPG (MNAPG.org) and newly formed groups like Parents Standing Together (ParentsStandingTogether.org).

What We’re Reading

What We’re Reading

We come across numerous articles about problem gambling and problem gaming. Here are a few: The article reports that Washington State has sued the makers of the Bingo Blitz app, alleging it operates as illegal gambling and uses child-appealing content, weak age controls and aggressive in-app purchases that expose minors and other users to addiction risks and significant financial harm. https://gamblingharm.org/bingo-blitz-app-illegal-gambling-children/ The column argues that the growing ubiquity and normalization of gambling—especially through sports betting and youth exposure—risks fostering addiction, financial harm and a cultural shift toward chasing quick wealth through luck rather than stable, meaningful paths.   https://www.startribune.com/brown-when-betting-is-everywhere-we-gamble-with-our-future/601567918 NPR's A Martinez speaks with journalist and author Danny Funt about his new book, "Everybody Loses: The Tumultuous Rise of American Sports Gambling." https://www.npr.org/2026/01/19/nx-s1-5602138/everybody-loses-chronicles-the-rise-of-americas-sports-betting-boom A piece by PBS on How Sports Betting is changing our Brains and Behavior, features Danny Funt and Dr. Tim Fong. https://www.pbs.org/newshour/video/horizons/2026/02/how-sports-betting-is-changing-our-brains-and-behavior This Teach-Out is open to anyone interested in learning more about the sports betting industry and its effects on the general population, but it is particularly relevant for young adults and their parents, athletes, educators, and policymakers looking to mitigate the effects of sports betting. https://online.umich.edu/teach-outs/sports-betting-risks-and-ripple-effects-teach-out/
Sweepstakes Casinos: How They Work and Why They Raise Concerns

Sweepstakes Casinos: How They Work and Why They Raise Concerns

Sweepstakes casinos have grown rapidly in recent years, offering online slot machines, poker and other casino-style games without describing themselves as traditional gambling. While they are often marketed as “free-to-play entertainment,” their structure has raised questions among regulators, public health professionals and policymakers.

How sweepstakes casinos work

At first glance, sweepstakes casinos look similar to real-money online casinos. Players sign up, choose games and spin reels or play table games. The key difference is the use of a dual-currency system. Most platforms offer two types of virtual coins:
  • Gold Coins – used only for entertainment play and have no cash value
  • Sweeps Coins – used for promotional games and can be redeemed for cash or prizes
Players typically receive Sweeps Coins as a bonus when they purchase Gold Coin packages. They may also obtain Sweeps Coins through free methods such as daily login bonuses, promotions or mail-in requests (often called an Alternate Method of Entry). Because there is always a free way to participate, operators argue that no purchase is required.  This structure is designed to avoid the legal definition of gambling, which generally requires three elements: prize, chance and consideration (payment). By offering a free entry option, sweepstakes casinos attempt to remove the “consideration” element. 

Why many view them as gambling

Despite the legal framing, critics argue that sweepstakes casinos function much like traditional gambling for these reasons:
  • Games rely on chance and offer real-world prizes.
  • Players often purchase virtual currency in practice, even if technically optional.
  • The purchase of Gold Coins frequently includes bonus Sweeps Coins, which can be redeemed for cash, creating a financial incentive to spend.
Regulators have described the two-currency model as a way to disguise paid gambling activity. In Minnesota, officials noted that consumers who appear to be buying entertainment currency are effectively purchasing access to prize-eligible play.  Research and surveys also indicate that many users participate with the intention of winning money, reinforcing concerns that the experience mirrors gambling behavior. 

Legal and regulatory concerns in Minnesota

Minnesota has taken a particularly strong stance. In 2025, the Attorney General ordered multiple sweepstakes casino operators to stop offering services in the state, stating that such platforms may violate gambling and consumer protection laws.  State officials emphasized several risks, claiming:
  • These sites operate outside Minnesota’s regulated gambling system
  • Most are based out of state or overseas, limiting oversight
  • Players lack protections such as fair-play audits, reliable payouts or dispute resolution 
Because the activity is unregulated, it also generates no state tax revenue and does not contribute to programs typically funded by legal gambling, such as public services or problem gambling prevention.

Why the issue matters

Sweepstakes casinos exist in a legal gray area nationwide, but Minnesota’s actions reflect growing concern. When casino-style gambling operates outside regulatory frameworks, states lose both consumer safeguards and public revenue, while residents face potential financial and behavioral risks. For policymakers and prevention professionals, sweepstakes casinos highlight a broader challenge: as gambling-like products evolve online, the line between entertainment and wagering becomes increasingly blurred. Clear regulation, consumer education and ongoing monitoring will be critical to ensure that emerging gaming models do not bypass the protections and public benefits that accompany legal, regulated gambling.
The Betting Blueprint: A Wellness Approach to Reducing Gambling Harm on Campus

The Betting Blueprint: A Wellness Approach to Reducing Gambling Harm on Campus

As legalized sports betting and digital wagering continue to expand, gambling has become a routine part of life for many young adults. For colleges and universities, this shift raises an important question: how can campuses help students make informed choices and avoid gambling-related harm? Dr. Michelle L. Malkin, assistant professor at East Carolina University, is working to answer that question through The Betting Blueprint, a wellness-oriented curriculum designed specifically for students ages 18–24. Her approach combines screening, education, financial wellness and early intervention to reduce risk and support healthier decision-making.

Start with awareness and screening

One of the key messages from Dr. Malkin’s work is that screening should be ongoing, not limited to a single awareness campaign. While March’s Problem Gambling Awareness Month provides an important opportunity for outreach, students engage in gambling year-round. Ideally, campuses host multiple screening efforts, including events early in the fall semester and again in March when March Madness increases betting activity. Peer-led outreach has proven especially effective. Students are more likely to participate when encouraged by their peers and when screening is quick and accessible, such as through a QR code completed on a phone. Brief screening tools that use clear language like “betting and/or gambling” help identify students who may be experiencing harm and connect them with resources before problems escalate.

Redefining what gambling looks like

The curriculum challenges students’ assumptions about gambling, as many young adults associate gambling only with casinos or money-based games. In reality, gambling includes any activity involving something of value and an element of chance. Today’s gambling landscape includes, but is not limited to, sports wagering, fantasy sports, prediction markets, loot boxes, esports, cryptocurrency speculation, in-play betting and social gaming features. By broadening students’ understanding, the curriculum helps them recognize behaviors they might not otherwise identify as gambling. The curriculum also explores why some individuals struggle to gamble responsibly. For certain people, brain responses to rewards can lead to chasing losses, overconfidence or difficulty stopping. Students learn to recognize warning signs such as borrowing money, hiding gambling or continuing despite negative consequences. Importantly, the focus is not prohibition. Instead, the curriculum promotes lower-risk strategies for those who choose to gamble: setting time and money limits, avoiding gambling when stressed or emotional, understanding the odds and using responsible gambling tools available on many platforms. Students also learn that gambling harms extend beyond the individual, affecting roommates, partners, family members and others.

Financial wellness at the center

Another important aspect of The Betting Blueprint is connecting gambling decisions to financial health. Many students have limited experience managing money, making them particularly vulnerable to overspending on entertainment, including betting. Through budgeting exercises and real-life scenarios, students explore what financial wellness means and how to give every dollar a purpose. They learn to identify priorities, track income and expenses, and distinguish between appropriate entertainment spending and high-risk funding sources such as borrowed money, financial aid or credit card debt. A key point is that gambling winnings should never be treated as income. Activities encourage students to track results over time, understand variability and consider how unexpected wins or loses affect long-term goals. The emphasis is on building habits that support stability and reduce financial stress.

Students as problem solvers

A distinctive feature of the curriculum is its interactive design. Small-group activities ask students to respond to common beliefs, such as “I can win back my losses” or “My gambling is under control.” By researching data and developing peer-focused messages, students generate their own solutions rather than being lectured. This collaborative approach increases engagement and helps shift campus norms around gambling.

Meeting Students at a Critical Time

College campuses provide a unique environment to reach emerging adults during a formative period. Dr. Malkin’s work highlights the importance of integrating gambling awareness into broader wellness efforts, including mental health, substance use prevention and financial education. As gambling opportunities continue to grow, so does the need for practical, student-centered prevention. With ongoing screening, peer engagement and a focus on financial and personal well-being, The Betting Blueprint offers campuses a proactive way to help students make informed choices and avoid harm—long before problems take hold. The information in this article was taken from Dr. Malkin’s presentation at the MNAPG conference last November. For more information about the curriculum, please contact Dr. Malkin at malkinm20@ecu.edu.
The WAGER, Vol. 31(1) – Young adults’ experiences of sports gambling harms and perspectives on changing gambling behavior

The WAGER, Vol. 31(1) – Young adults’ experiences of sports gambling harms and perspectives on changing gambling behavior

Read the original article on The BASIS here. By John Slabczynski As legalized sports betting grows in popularity, public health experts have raised concerns about its potential harms. As advertisers and sports leagues continue to make gambling a key part of spectatorship, this could normalize betting as a natural part of sports fandom. Previous research suggests that these practices are contributing to an increase in gambling problems, particularly among young adults. To better address these concerns, public health advocates need to understand the specific problems associated with young adult sports betting. This week, The WAGER reviews a study by Nerilee Hing and colleagues that explored young adult sports bettors’ experiences of gambling harm and their perspectives on changing their gambling behavior. What were the research questions? (1) How do young adult sports bettors experience gambling harms? (2) How do they conceptualize and engage in changing harmful gambling? What did the researchers do? The researchers recruited 50 Australians between the ages of 18 and 25 who reported experiencing moderate or severe harm from sports betting in the past year. Participants completed interviews with the research team that asked about the nature of sports betting-related harms they experienced, perceived barriers and facilitators of gambling behavior change, and strategies they used to change their gambling. The researchers then coded the transcribed interviews to identify relevant themes. What did they find? The interviews revealed five distinct types of sports betting-related harm: 1) financial harm, 2) harm to mental health, 3) harm to work or study, 4) relationship harm, and 5) harm to physical health. Participants reported that many of these harms built up over time and intersected with one another. For example, several participants indicated that financial harms grew over time, and that these harms worsened their mental health. At the time of interviews, some participants were unwilling to change their gambling behavior. Others, however, pointed to improved knowledge of gambling disorder and an awareness of gambling harms as key factors in choosing to change their harmful behavior (see Figure). Figure. Displays participant quotes representing each theme identified through thematic analysis. Click image to enlarge. Why do these findings matter? Information on the types of harm experienced by young adult sports gamblers can help public health practitioners identify potential gambling problems quickly and accurately, allowing for timely intervention and support before more significant harms happen. This study’s findings on behavior change are especially important. Many participants emphasized the value of awareness of gambling as an addiction as a catalyst for behavior change. Initiatives such as The Faces of Gambling that highlight how gambling problems develop from the perspective of people with lived experience may be especially effective in reducing the prevalence of gambling harms. Every study has limitations. What are the limitations in this study? This study screened participants for a history of experiencing gambling harms using a list of previously researched harms, which may have primed the sample to report these very same types of harm. Similarly, because the study focused on moderate to severe cases of gambling disorder among young adults, the results of this study may not be generalizable to those who experience less severe forms of the condition, or the wider gambling population.
Inside DraftKings’ Responsible Gaming Efforts

Inside DraftKings’ Responsible Gaming Efforts

MNAPG posed questions to Lori Kalani, DraftKings' chief responsible gambling officer to learn more about DraftKings’ problem gambling efforts. Below are her responses: MNAPG:  We understand that My Budget Builder and My Stat Sheet are new responsible gaming (RG) tools for DraftKings. Can you share more about them? LK: My Budget Builder guides customers through a simple process to set personalized entertainment budgets, reminders and limits. My Stat Sheet provides customers with a clear personalized snapshot of their play activity, including time spent, deposits, withdrawals, wagers and outcomes. Both are designed to help customers make informed decisions and play responsibly. MNAPG: What information is included with alerts and does anything happen if a customer exceeds the limits they set? LK: We proactively encourage every player to set budgets for their deposit amounts, play time and size of bets, and we provide access to a range of tools and resources with which they can engage. Customers receive reminders when they approach the limits they’ve set. If a limit is reached, the platform enforces it automatically—for example, preventing additional deposits or gameplay until the current limit resets. Once a limit is set, it cannot be increased or cancelled until the timeframe for the limit has ended. More restrictive limits can be added at any time. MNAPG: How many customers are currently using some of DraftKings’ responsible gaming tools and resources? LK: Since launching our Responsible Gaming Center in 2024—a centralized hub for all the DraftKings RG tools and resources available at rg.draftkings.com—more than 5.6 million customers have visited. Approximately 3.5 million unique customers have used My Stat Sheet since the industry-first tool was introduced early last year. This June, we launched our newest tool, My Budget Builder, and we expect usage to increase throughout the NFL season. MNAPG: How do you help make customers aware that these tools and resources exist? LK: We highlight responsible gaming tools and resources throughout the customer journey. Some examples include promoting RG tools and resources at onboarding, in-app messaging, emails and various campaigns throughout the year. Within the app and online, an RG shield icon appears at the top of the screen, making the DraftKings Responsible Gaming Center just one click away so that tools and resources are seamlessly available as part of the product experience. To mark this year’s Responsible Gaming Education Month, we launched an NFL sweepstakes that incentivizes customers who use tools like My Budget Builder and My Stat Sheet with the chance to win weekly NFL ticket prizes, culminating in a grand prize trip to the Super Bowl. MNAPG: Do you work with any external organizations or researchers to improve your responsible gaming efforts? LK: Yes. We work with organizations such as the Cambridge Health Alliance, BetBlocker, Evive, the Responsible Online Gaming Association (ROGA) and the International Center for Responsible Gaming. Our work with Cambridge Health Alliance includes expanding research on responsible gaming and facilitating new opportunities to educate customers about the tools and resources that are available to help them play responsibly. We also provide funding to the National Council on Problem Gambling. DraftKings’ State Council Funding (SCF) program provides annual donations to 35 state problem gaming councils across the country to support their work. Since announcing the SCF program in 2022, we have donated millions of dollars, including to the Minnesota Alliance on Problem Gambling. (Editor’s note: MNAPG used the funds provided by DraftKings to develop a pilot casino employee training program that’s currently being tested at Canterbury.) MNAPG: Do you proactively identify customers who may be having challenges? If so, how is this done? LK: We proactively encourage every player to set budgets for their deposit  amounts, play time and size of bets, and we provide access to a range of tools and resources with which they can engage. We use modeling techniques and advanced technology, including machine learning, to help identify when someone may no longer be playing for fun, which is then reviewed by our Responsible Gaming team for further analysis. MNAPG: Does DraftKings work with the other members of the Responsible Online Gaming Association (ROGA) to ensure that if one of your customers is given a time out or excluded that it is active across all the other platforms? LK: Today, most jurisdictions where we operate maintain shared exclusion databases, which are distributed to all licensed operators. In some states, operators also contribute their own self-exclusion data. While there isn’t yet an industry-wide system among operators, through ROGA we have announced the creation of a centralized exclusion clearinghouse. The first phase will introduce a national shared self-exclusion list so that when a player self-excludes with one member operator, that exclusion will also extend across all ROGA member platforms. MNAPG: How do you see your RG tools and resources evolving over the next 2–3 years? LK: In the next few years, we expect RG tools and resources to further evolve through AI and personalization. Smarter technology will allow these tools and resources to adapt dynamically, making them even more intuitive and seamless to the customer. MNAPG: How do you measure success in responsible gaming initiatives? LK: We consider, among other things, adoption rates, customer feedback and independent evidence-based research as we continue to enhance our responsible gaming tools and resources. Success means responsible play continues to be embedded in the DraftKings experience for every customer.
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