What concerns me about these scams is the ever increasing velocity. Old timey gambling required cash or collateral. So there was a physical limitation.

Day trading and crypto and freemium games fleece people digitally. It's all ephemeral. What holds people back?

It pains me to buy a lottery ticket, so I've never been tempted by these scams. But I imagine having everything online hacks player's inhibitors. eg I've read rants about how Robinhood and the like weaponize "dark patterns" to loot their players.