I think that in the social aspect many people have this belief that at some point they must win or win in a casino, and when they lose a lot of money they see it as very bad and therefore they do not like it and they start to make accusations to see if they can find some kind of support, however they do it without foundation at the regulatory level , they are the ones who say yes to the Tos without even Reading a little and at least Realizing what it is about , so it is difficult because it is not how they think, but how it really is.
"Regulatory level" as you called it has nothing to do with losing... someone can complain only if he has evidence that the game is rigged, or they can complain if the site refuses to process a withdrawal if they won something. I rarely read ToS, and I never had any serious problems... but I am a fair player, and I don't complain when I lose. I know it just wasn't my day.
I feel like we are going round and round with this discussion. Anyone can open a scam accusation topic, but if someone wants to be taken seriously, they must have some evidence for it. Whatever the accusation is, it has to be backed up by something...