I would probably just pay the $500 rather than go through all that trouble going to trial and paying $50K. that is just me because I do not care what other thinks as long as I know that I did not cheat. I do not need to prove myself to anyone.

But I guess it is different for Stu since he has a reputation to uphold, and it seems to me that gambling is his source of income. If he gets banned because he is accused of cheating, it will have a large effect on his life. And I think he has the money to pay for the trial and everything.