I haven't said no MMO is doing any sort of gambling. Whether a game has in-game gambling or not is not the point. The point is whether they use real-money or not. The vast majority are not real money MMOs and don't explicitely allow players to withdraw their gambling gains and convert them to cash. There are always players who trade ingame money for real money on the black market but since its explicitely disallowed in terms and conditions, this isn't under the responsibility of the game company unless it can be proven that they knew about it and didn't do anything to prevent it. Real money MMOs hat involve gambling are another problem entirely, and companies that develop them do consult lawyers and do the necessary things to make sure they remain on the right side of regulation. And if they don't they are just exposing themselves to future liability. Some businesses are careless and it costs them dearly in the end: see what happened to intrade. Most are doing the right thing and getting legal advice and setting up things to be legal.

I don't know Neopet but if it targets 8~14 I'd be surprised if they allow players to convert their winnings to real money, and if they do they must have run that through a lawyer and/or setup shop in a jurisdiction where unlicensed gambling is legal.

Generally, don't just assume things are trivial because the legal work is not visible from your consumer perspective. I too see many shops selling alcohol, but it doesn't mean that they haven't done their job and applied for a license to sell alcohol.