Are Casino’s Enabling Those With a Gambling Problem Into Full-Blown Addiction? Read and You Decide. A Sad Gamblers Story.

Scott Stevens’s story is not anomalous. Given the guilt and shame involved, gambling addiction frequently progresses to profound despair. The National Council on Problem Gambling estimates that one in five gambling addicts attempts suicide—the highest rate among addicts of any kind.



How Casinos Enable Gambling Addicts

Modern slot machines develop an unbreakable hold on many players—some of whom wind up losing their jobs, their families, and even, as in the case of Scott Stevens, their lives… (Courtesy of “The Atlantic” 2016 )




On the morning of Monday, August 13, 2012, Scott Stevens loaded a brown hunting bag into his Jeep Grand Cherokee, then went to the master bedroom, where he hugged Stacy, his wife of 23 years. “I love you,” he told her.

Stacy thought that her husband was off to a job interview followed by an appointment with his therapist. Instead, he drove the 22 miles from their home in Steubenville, Ohio, to the Mountaineer Casino, just outside New Cumberland, West Virginia. He used the casino ATM to check his bank-account balance: $13,400. He walked across the casino floor to his favorite slot machine in the high-limit area: Triple Stars, a three-reel game that cost $10 a spin. Maybe this time it would pay out enough to save him.

It didn’t. He spent the next four hours burning through $13,000 from the account, plugging any winnings back into the machine, until he had only $4,000 left. Around noon, he gave up.

Stevens, 52, left the casino and wrote a five-page letter to Stacy. A former chief operating officer at Louis Berkman Investment, he gave her careful financial instructions that would enable her to avoid responsibility for his losses and keep her credit intact: She was to deposit the enclosed check for $4,000; move her funds into a new checking account; decline to pay the money he owed the Bellagio casino in Las Vegas; disregard his credit-card debt (it was in his name alone); file her tax returns and sign up for Social Security survivor benefits. He asked that she have him cremated.

He wrote that he was “crying like a baby” as he thought about how much he loved her and their three daughters. “Our family only has a chance if I’m not around to bring us down any further,” he wrote. “I’m so sorry that I’m putting you through this.”

He placed the letter and the check-in an envelope drove to the Steubenville post office and mailed it. Then he headed to the Jefferson Kiwanis Youth Soccer Club. He had raised funds for these green fields, tended them with his lawnmower, and watched his daughters play on them.

Stevens parked his Jeep in the gravel lot and called Ricky Gurbst, a Cleveland attorney whose firm, Squire Patton Boggs, represented Berkman, where Stevens had worked for 14 years—until six and a half months earlier when the firm discovered that he had been stealing company funds to feed his gambling habit and fired him.

Stevens had a request: “Please ask the company to continue to pay my daughters’ college tuition.” He had received notification that the tuition benefit the company had provided would be discontinued for the fall semester. Failing his daughters had been the final blow.

Gurbst said he would pass along the request.

Then Stevens told Gurbst that he was going to kill himself.

“What? Wait.”

“That’s what I’m going to do,” Stevens said and promptly hung up.

He next called J. Timothy Bender, a Cleveland tax attorney who had been advising him on the IRS’s investigation into his embezzlement. Up until that point, he had put on a brave face for Bender, saying he would accept responsibility and serve his time. Now he told Bender what he was about to do. Alarmed, Bender tried to talk him out of it. “Look, this is hard enough,” Stevens said. “I’m going to do it.” Click.

At 4:01 p.m., Stevens texted Stacy. “I love you.” He then texted the same message to each of his three daughters in succession.

He took off his glasses, his glucose monitor, and his insulin pump—Stevens was a diabetic—and tucked them neatly into his blue thermal lunch bag with the sandwich and apple he hadn’t touched.

He unpacked his Browning semiautomatic 12-gauge shotgun, loaded it, and sat on one of the railroad ties that rimmed the parking lot.

Then he dialed 911 and told the dispatcher his plan.

Scott Stevens hadn’t always been a gambler. A native of Rochester, New York, he earned a master’s degree in business and finance at the University of Rochester and built a successful career. He won the trust of the steel magnate Louis Berkman and worked his way up to the position of COO in Berkman’s company. He was meticulous about finances, both professionally and personally. When he first met Stacy, in 1988, he insisted that she pay off her credit-card debt immediately. “Your credit is all you have,” he told her.

They married the following year, had three daughters, and settled into a comfortable life in Steubenville thanks to his position with Berkman’s company: a six-figure salary, three cars, two country-club memberships, vacations to Mexico. Stevens doted on his girls and threw himself into causes that benefited them. In addition to the soccer fields, he raised money to renovate the middle school, to build a new science lab, and to support the French Club’s trip to France. He spent time on weekends painting the high-school cafeteria and stripping the hallway floors.

“Stevens got his first taste of casino gambling while attending a 2006 trade show in Las Vegas. On a subsequent trip, he hit a jackpot on a slot machine and was hooked.”

Scott and Stacy soon began making several trips a year to Vegas. She liked shopping, sitting by the pool, even occasionally playing the slots with her husband. They brought the kids in the summer and made a family vacation of it by visiting the Grand Canyon, the Hoover Dam, and Disneyland. Back home, Stevens became a regular at the Mountaineer Casino.

Over the next six years, his gambling hobby became an addiction. Though he won occasional jackpots, some of them six figures, he lost far more—as much as $4.8 million in a single year.

Did Scott Stevens die because he was unable to rein in his own addictive need to gamble? Or was he the victim of a system carefully calibrated to prey on his weakness?


Scott methodically concealed his addiction from his wife. He handled all the couple’s finances. He kept separate bank accounts. He used his work address for his gambling correspondence: W-2Gs (the IRS form used to report gambling winnings), wire transfers, casino mailings. Even his best friend and brother-in-law, Carl Nelson, who occasionally gambled alongside Stevens, had no inkling of his problem. “I was shocked when I found out afterward,” he says. “There was a whole Scott I didn’t know.”

When Stevens ran out of money at the casino, he would leave, write a company check on one of the Berkman accounts for which he had check-cashing privileges, and return to the casino with more cash. He sometimes did this three or four times in a single day. His colleagues did not question his absences from the office, because his job involved overseeing various companies in different locations. By the time the firm detected irregularities and he admitted the extent of his embezzlement, Stevens—the likable, responsible, trustworthy company man—had stolen nearly $4 million.

Stacy had no idea. In Vegas, Stevens had always kept plans to join her and the girls for lunch. At home, he was always on time for dinner. Saturday mornings, when he told her he was headed into the office, she didn’t question him—she knew he had a lot of responsibilities. So she was stunned when he called her with bad news on January 30, 2012. She was on the stairs with a load of laundry when the phone rang.

“Stace, I have something to tell you.”

She heard the burden in his voice. “Who died?”

“It’s something I have to tell you on the phone -because I can’t look in your eyes.”

He paused. She waited.

“I might be coming home without a job today. I’ve taken some money.”

“For what?”

“That doesn’t matter.”

“How much? Ten thousand dollars?”


“More? One hundred thousand?”

“Stace, it’s enough.”

Stevens never did come clean with her about how much he had stolen or about how often he had been gambling. Even after he was fired, Stevens kept gambling as often as five or six times a week. He gambled on his wedding anniversary and on his daughters’ birthdays. Stacy noticed that he was irritable more frequently than usual and that he sometimes snapped at the girls, but she figured that it was the fallout of his unemployment.

When he headed to the casino, he told her he was going to see his therapist, that he was networking, that he had other appointments. When money appeared from his occasional wins, he claimed that he had been doing some online trading. While they lived off $50,000 that Stacy had in a separate savings account, he drained their 401(k) of $150,000, emptied $50,000 out of his wife’s and daughters’ ETrade accounts, maxed out his credit card, and lost all of a $110,000 personal loan he’d taken out from PNC Bank.

“Stacy did not truly understand the extent of her husband’s addiction until the afternoon three police officers showed up at her front door with the news of his death.”

Afterward, Stacy studied gambling addiction and the ways slot machines entice customers to part with their money. In 2014, she filed a lawsuit against both Mountaineer Casino and International Game Technology, the manufacturer of the slot machines her husband played. At issue was the fundamental question of who killed Scott Stevens.

Did he die because he was unable to rein in his own addictive need to gamble? Or was he the victim—as the suit alleged—of a system carefully calibrated to prey upon his weakness, one that robbed him of his money, his hope, and ultimately his life?

Less than 40 years ago, casino gambling was illegal everywhere in the United States outside of Nevada and Atlantic City, New Jersey.

But since Congress passed the Indian Gaming Regulatory Act in 1988, tribal and commercial casinos have rapidly proliferated across the country, with some 1,000 now operating in 40 states. Casino patrons bet more than $37 billion annually—more than Americans spend to attend sporting events ($17.8 billion), go to the movies ($10.7 billion), and buy music ($6.8 billion) combined.

The preferred mode of gambling these days is electronic gaming machines, of which there are now almost 1 million nationwide, offering variations on slots and video poker. Their prevalence has accelerated addiction and reaped huge profits for casino operators. A significant portion of casino revenue now comes from a small percentage of customers, most of them likely addicts, playing machines that are designed explicitly to lull them into a trancelike state that the industry refers to as “continuous gaming productivity.”




The Rest Of This Sad Story Can Be Read In THE ATLANTIC here:

It goes more in-depth on facts and studies of Slots and Electronic Gambling and HOW Casinos are attracting and making their profits of a small percentage of people like Mr. Stevens and many others with a problem or addicted gambler, including myself. I share this article because when I first read it, I saw myself when addicted to gambling. Especially the area of hiding what I was doing, controlling the money and paying bills that gave me ample ways to not only cash but also HIDING what I doing and was spending on my gambling.

“We Are Only As Sick As Our SECRETS” . . .  ~Advocate, Catherine Townsend-Lyon





“My Recovery Guest Author Interview Wrap Up From Peoples Internet Radio”!

Hello and Welcome Recovery Friends, Seekers, and Visitors,


I had been invited to Peoples Internet Radio by host, Stephen Roberts to join him this past Friday evening to talk about my current book, problem & addicted gambling, recovery, and a few more hot topics. And the interview was so awesome, we where on for just about 2 hours! And as promised, here is a wrap up of some of the topics we discussed, and recovery resources I had given out during the show.


I’d like to first say, Thank You again to my host,  Stephen Roberts for inviting me to his show. Well, I also kind of invited myself really. LOL. I say this because as some of you know, I do book & social media promoting for other authors. And, Stephen has had 2 of my clients on his show earlier. It’s actually how we met. He is such a great guy with a fun sense of humor.

A little about Peoples Internet Radio, Seeking Sovereign Solutions, it is a movement for and by the people to take our country of America back! It is a place where podcasts are broadcast and heard by hosts who invite others to speak up, help inform, and to raise awareness of many issues facing our country. And one of those issues impacting our communities is the ever-expanding problems of Indian Casinos & State Lotteries. That was only one of the issues Stephen and I spoke about. We talked about my book, Addicted To Dimes, (Confessions of a Liar and a Cheat), which is my personal story of life touched by childhood sex abuse, discipline abuse, living with mental and emotional illness and disorders, and gambling and alcohol addictions.


We also had people calling and typing in through Facebook, as my interview was live streamed on 3 different podcast links. We even had people commenting as far away from Ireland, Scotland, and United Kingdom! I do have to say a ‘Special’ shout out to “Jimmy & Sean” for your questions, and very kind comments during the show! I also explained my own personal devastation I caused with my gambling addiction in my life. Some don’t always agree with me about the why’s of someone choosing addiction in the first place.
My experience is that, like Jimmy mentioned in his comment, when in rehab or treatment, it seems the professionals just treat the symptoms, and not some of the underlying issues that may have led us to use addictions to cope with life challenges and traumatic life events.
From a relapse prevention point of view, those life events if we are not ready for them, can be a source of relapse. I know it was difficult for me in this area as well. The first failed suicide attempt in 2002 of mine,
from 2 life events that hit me hard was two people close to me passed away of cancer. Then my mom passed in 2003. So life, if not ready can cause a relapse. You need to have a plan in place.


When all that happened to me I went via the hospital to an addictions/mental health crisis center. That’s when my primary doctor, and the center psychiatrist found I had been suffering Bipolar 2 severe depression, PTSD, OCD, and mild anxiety mania. So in 2002 is when I was started on bipolar and anti-depressant meds.
So those were some of the underlying issues that compounded, and seem to set me up for some type of addictions to cope, escape and numb out from the grief, and from my past traumatic childhood.

Of course, as I discussed with Stephen that when you are raised in a household that you speak of things outside our home about anything that might bring shame to the family, and to not know there are healthy ways to get help and process past hurt and pain. Then many do use addiction to try to escape from it. To not feel those unpleasant feelings and emotions. So it wasn’t until I started work on processing my past pains, and working with an addiction specialist, who taught my also how to break down the cycle of my addiction. A cycle has a beginning, a middle, and an end. Here is what it looks like.


See, will get Triggered by something that affects us in life. Could be life trauma, stress of a bad day at work, a financial crisis, for me it was Paydays. The build up would start a few days before a payday. Urges or cravings like on the chart. Then the Ritual comes into play. This maybe, again for me was trying to calculate how much money would be available to gamble with. What bills could I put off until the next payday. That type of diseased thinking. Sadly, when I crossed the line into uncontrolled addicted gambling, the bills never got paid, and the money would be gone. Then the actual act of using, or for was addicted, uncontrolled gambling. Then the last part of the cycle is the guilt, shame, self-loathing, remorse.

But the one difference with gambling is the constant lies, covering up what I’d done, find money to pay the debts that I should have with our paychecks and on and on. It’s exhausting! And until you learn in treatment, and in support group meetings those tools and skills to interrupt and break the cycle? You’ll keep using over and over wishing for a different outcome that never comes! Part of my experience of addiction did come from my past childhood abuse. And the verbal can cut deep into our mind and thoughts. Verbal, or psychological abuse can sink in when were children. Because our minds are like a sponge! It is also from my sex abusers as well. They threaten you so much that you start to believe you’re a bad girl, damaged, and if you tell, no one will believe you, that your telling lies.

I still to this day feel those feeling of those men telling me that, grooming me with treats, then turn around and threaten me with verbal trash! And like I said in my interview, even though Gamblers Anonymous tells us that we can recover without knowing the reasons why we became addicted gamblers, but through therapy, I know some of why I was using addicted gambling with alcohol. It was to not feel the pains of my childhood any longer.
Today, I’m not a victim any longer! I advocate, speak-up and speak-out about childhood abuse and trauma! As it’s the only way I know how to shatter the STIGMA around this devastating issues. I know that it wasn’t my fault what happened to me. So I now let others who endured the same, that they are not at fault either. All that I do to try and help others was given to me by my Father in Heaven. Another part of recovery is to learn from what we triumph over. We see our character defects, and learn to correct them to become better human beings..

Here are just a few facts I shared about gambling addiction on the radio show.1% of our population right now are Problem Gambler’s.
Out of the 16+million problem gamblers in just the United States, half this number are now your college bound young adults.  The Productivity Commission in  Australia reports, for every one problem gambler, they have a negative effect on 7 other people.Our government makes gambling legal for profits through Casinos and States Lottery.
And if you want to know what is being done about it in your State and communities besides raising crime rates, and more friends and loved ones becoming problem gamblers, then visit

For help and information about problem gambling, visit the good people of The National Council on Problem Gambling, For warning signs & info please visit and

There are more helpful ‘Recovery Resource’ pages here on my blog with more important websites and phone numbers. And finally, if you happened to miss the internet show? Here is the link you can hear the whole show at your own leisure. When you clink on the link, a little box will pop up and just hit the arrow to play it.…/august_29_2014_with_catherine…
Just in case it doesn’t pop up, here is the full link address:

Hope Vs Heroin's photo.
In closing, this quote truly is important. No on person who becomes an addict just happens to wake up one day and tell themselves, “Gee, I think today I’ll choose to become an addict and destroy my life” …
Yes, life is full of positive wonders and possibilities, but life also can hurt, be painful to some of us.
NO, not excuses, just insights of how some can lose their way.

And yes, it is our choice on how we handle the rough patch’s. But remember, many people are not healthy, strong, or had positive role models, or a healthy family dynamic growing up. Like I explained to Stephen,
I have forgiven my parents, and have forgiven my sex abusers, and my siblings who too had hurt me, as my spiritual Father has taught me. You have to in order to take back your life. It’s also what I learned in treatment and therapy. I have learned many life lessons on this journey called life. Now my passion is to pass some of it to others.

Much Happiness and Blessings on your Recovery Journey,
Catherine Townsend-Lyon, Author of, “Addicted To Dimes” …