if I start a casino with 3000 in the bank, am I a scammer? If I start with 2000 in the bank, am I a scammer? 1000? At what point am I a scammer? When I don't process withdrawals anymore without proven history of doing so?
If you can't cover the largest bet payout, then you are a scammer, or at worse in deep financial trouble.
If for example "roulette" with its highest payout of 35:1 and you don't have $35 to cover a $1 bet, then you are
probably a scammer.