I am sorry, but I think this is not the case.

1) The problem persists even though I loaded my wallet up with a lot more bitcoin
2) I am making really really small bets  (<1% of wallet amount)
3) I am including large tx fee (0.005 BTC)
4) This never happened before, but for some reason it happens now

Sorry, but for me SD is unusable. I used to play it all the time, but I can't any more. And that probably means that it is also unusable for a lot of other people.