I will agree with you on the points you have raised only if you can also as well comply with the understanding that not all gamblers can got equiped with all of these criterias at the same time and this does not measure how good they are or not in gambling because we have difference in morals, skills, habits and intellect ranging in gamblers today and not having one or two of these doesn't make the same gambler a bad one but he's pretty good in his own sight,