One thing I am very sure of is that, casinos that care about there users will sure do all they can to protect their users and also give them the very best services they can offer, but they(the casino) must figure out a way to do this that it won't affect their finance, finance is the major factor/aspect of running a casino successfully, because, if the casino treat the customers so well in every other aspect, but fail to pay the customers winnings due to lack of fund, the customer will still scream, wail and call the casino a scam and a cheat.
This is why I think casinos do as much as they can to gather funds, in other to never to have to tell their customer that the reason they can't pay the winning immediately is because the lack fund, I believe if a friend tells you that a casino has not paid his winning because they lack fund, you will do all you can to stay away from such casino.
Personally, to say they lack funds I don't think so at all, because they have a lot of capital, and also if we compare it to the number of losses of each user I believe the number of losses of each user will be greater than the number of wins. So to say they're understaffed and I think that is preposterous nonsense.
I'm sure when they set up a gambling site, they have really considered what will happen, and in the beginning they can even spend a lot of money for a promotion from their site. Unless from the start they had no intention of paying and intended to make things difficult for users.
I follow you with your opinion, casino owners knows that they needed to allocate good amount of funds to secure the business, before opening the site they need to anticipate that there are instances that the player/gambler might win huge amount and they need to cover that win to make sure that the trust will continue, it's not ethical to give that reasons that they don't have money to provide, those argument can trigger the potential that they can turn into scam after.
That's right as I said, "unless they intend to scam the users". Casino owners are not random people who don't think about the future, in fact that's what they first think about and then make a plan for how the casino they built will become a big casino that the public trusts. It will be very funny when they argue that they have no capital, because if we catch them the first time they build a casino, how much it costs them. Things like this are actually the basic things why a casino is founded.
If a casino claims that they do not have the money to pay out a big win honestly earned by some player, then of course such actions of this casino can be assessed as fraud. Starting their business, any casino calculates the risks of sudden payments caused by the game and the luck of the player, especially with provable honesty algorithms. If this is not done, then starting the business of such a casino is not only very risky, but even this just borders on the concept of a fraudulent casino. Therefore, the argument about the lack of money to pay in this case can be assessed as a criminal offense. In my opinion, this is exactly the case.
Yes the only word that can be said when the casino is out of money is "scam". Maybe at some casinos they will delay payments because they make sure the user meets the requirements or not to make a withdrawal, that makes more sense than saying they don't have funds.
Logically, for example, out of 100 users who are actively playing there, maybe only 1 person is lucky to win a big bet, and maybe out of 100 people, no one is lucky at all.