The Online Games Where the House Always Wins

Summary

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Podcast Summary: The Online Games Where the House Always Wins

Podcast: Big Take (Bloomberg & iHeartPodcasts)
Air Date: May 1, 2026
Host: Sarah Holder
Featured Reporter: Vernon Silver
Main Theme:
An in-depth examination of the booming world of “social casino” games—mobile and online games that use gambling-like mechanics, encourage real-money in-app spending, but never pay out winnings. The episode explores who profits, who loses, and how U.S. courts and regulators are starting to react.

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1. Overview of the Episode

This episode unpacks the rise of app-based games with gambling-like elements (so-called "social casinos") such as Monopoly Go, Double Down Casino, Candy Crush, and others. The focus is on how these games blur the line between entertainment and gambling, who spends—and earns—the most in this economy, and how the biggest tech platforms (Apple, Google, Meta) earn billions facilitating the spread. It also examines how lawsuits are challenging their business models, arguing these games are unregulated gambling operations.

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2. Key Discussion Points & Insights

A. How Social Casino Games Hook Players

• Personal Story: Monopoly Go as a Social Lifeline
  • Brenna Ingram shares how Monopoly Go became a central friendship activity. Over time, casual play led to spending money for extra content and perks.
  • Quote: “We started a group chat called the Monopoly Go Mommies. …It’s become more of like a friend group.” (02:15)
• Game Mechanics
  • Random rewards and FOMO: Players can play for free but have limited chances to progress quickly without paying for more dice, spins, or virtual currency.
  • Many games use loot boxes, time-limited bundles, and incremental deals to nudge players into “just one more purchase.”
  • Quote: “It just became much more lucrative… most people just play for free. And then a small number of people… pouring in thousands and in some cases hundreds of thousands into the gameplay.” (05:47, Vernon Silver)

B. The True Cost: Who Spends and Who Profits

• Wide Range of Spending

  • Most people spend little or nothing; a small segment spends vast amounts.
  • Internal industry language divides big spenders into "minnows," "dolphins," and "whales" (up to millions of dollars per player).
  • Key Stat: “Evidence in these cases of people spending over a million dollars on rolls or coins… they don’t have a chance ever of winning back a penny.” (03:28, Vernon Silver)
  • Example: In Brenna’s group, individual spend ranged from $80 over three years up to $2,000–$3,000.
    Quote: “That’s like a vacation or, you know, like rent payment…The amount is kind of insane.” (08:51, Brenna Ingram)
  • Industry Estimate: “Something in the range of 6% of the players generate almost all the income.” (10:01, Vernon Silver)

• Who's Making Money

  • Sensor Tower reported >$11 billion in market revenue for social casino games.
  • Tech platforms (Apple, Google) take a 30% commission on most in-app purchases, generating billions in profits.

C. Legal & Regulatory Scrutiny

• Lawsuits & Settlements

  • Class actions allege these games constitute illegal gambling under state law—since money is spent chasing randomized rewards.
  • Quote: “These are lawsuits…to allege that these games were illegal gambling. And as a result, the players deserve to get their money back.” (04:01, Vernon Silver)
  • In Washington State, High 5 Casino was found to have violated gambling laws, paid $25 million in damages, and settled for over $500 million industry-wide.
  • Apple, Google, Meta now face similar lawsuits as payment processors/platforms—not just hosts. One California judge allowed cases to proceed on these grounds (22:35).

• Lack of Safeguards Compared to Regulated Gambling

  • Addicted players often get little support or protection, unlike real-money casinos bound by responsible gaming rules.
  • Memorable Moment: When a player asked for self-exclusion, the platform disabled purchases but gifted her a “billion free coins” to keep playing (12:02, Vernon Silver).

D. Tech Platforms’ Role and Response

• Business Model
  • Apple, Google, and Meta approve and host these apps and process their payments, taking substantial cuts of all revenue.
  • Quote: “For all but the smallest earning apps, Google and Apple collect a 30% commission…generating a 30% commission for Apple and Google.” (17:47, Vernon Silver)
  • Apple generates more gross profit from gaming (including social casinos) on the App Store than from Mac sales:
    “According to a Bloomberg analysis…Apple ended up generating…more than it did from selling Macs.” (19:30, Sarah Holder)
• Stances on Legal Risk
  • Tech companies say these are not real-money gambling games, just entertainment.
  • They highlight age restrictions, transparency requirements, and claim social casinos are a “small slice” of app revenue.
  • Plaintiff lawyers argue platforms are liable as payment processors.
• Memorable Quotes:
  • “It’s their position that…these should not be construed in any way as anything other than entertainment.” (20:50, Vernon Silver)
  • Apple: “Social casino games are a small fraction of the overall game market and…Bloomberg's reporting conflates the two…we require developers to transparently disclose the odds for randomized virtual items before purchase.” (23:12, Sarah Holder)

E. The Psychology and Societal Impact

• Many users get hooked not for cash rewards but for psychological hits: suspense, progression, and competitive spirit.
• “Maybe the money doesn’t even matter. Maybe this is just about…what keeps people glued to their screens.” (24:31, Vernon Silver)
• Speaker notes parallels with the wider “gamblification” of society—from sports betting to prediction markets.

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3. Notable Quotes & Memorable Moments (with Timestamps)

• On Social Connection through Games:
  “We started a group chat called the Monopoly Go Mommies…It’s become more of like a friend group.”
  – Brenna Ingram (02:15)

• On Spending and Addictive Design:
  “I think mine was like 80 bucks in the past three years. But there were people in the group that had spent like 1,500. Two grand, three grand. That’s like a vacation or…rent payment…The amount is kind of insane.”
  – Brenna Ingram (08:51)

• On Who Profits Most:
  “Something in the range of 6% of the players generate almost all the income.”
  – Vernon Silver (10:01)

• On Corporate Responsibility:
  “Had this been a regulated casino…there would have been a mandated procedure for helping that person self exclude…when you aren't a real money casino…you don’t have the same guardrails.”
  – Vernon Silver (12:02)

• On Platform Profits:
  “Apple ended up generating a higher gross profit from game spending across all games on the App Store, including social casinos, than it did from selling Macs.”
  – Sarah Holder (19:30)

• On the Broader Societal Impact:
  “Maybe this is just about…what keeps people glued to their screens.”
  – Vernon Silver (24:31)

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4. Timestamps for Important Segments

• 01:43 – Brenna Ingram introduces Monopoly Go’s social and spending dynamics.
• 03:28 – Vernon Silver details the range of player spending (from small purchases to $1M+).
• 05:28 – Social casino industry’s pandemic-era boom.
• 07:33 – Game mechanics nudging higher spending.
• 08:51 – Real-world impact: casual gamers’ actual spending.
• 10:01 – “Minnows, dolphins, whales”—industry nomenclature for spenders.
• 11:20 – High 5 Casino lawsuit: evidence of addiction and lack of company safeguards.
• 13:27 – Cumulative industry settlements in Washington State.
• 17:14 – How Apple and Google profit from in-app purchases.
• 19:30 – Apple’s profit from games exceeds Mac sales.
• 20:50 – Tech giants’ defenses and policies.
• 22:35 – Lawsuit status: courts allow cases against platforms to proceed.
• 24:31 – The psychology fueling endless engagement.

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5. Conclusion / Where the Industry is Headed

The episode ends by situating social casino games within the larger shift toward more widespread, and often unregulated, gambling-like activities in society. While the companies behind these apps and platforms frame them as pure entertainment, mounting legal challenges and evidence of player harm suggest a reckoning is underway. The industry’s future—and the accountability of tech giants—may hinge on outcomes still pending in U.S. courts.

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For further information and Bloomberg’s ongoing coverage: Bloomberg.com

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Transcript

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[Brenna Ingram]

You definitely don't have to spend money to play the game. However, like, your experience is a lot better if you do.

[Sarah Holder]

Brenna Ingram lives in Grand Rapids, Michigan. A few years ago, a couple of her friends told her about their new hobby.

[Brenna Ingram]

They were talking about this game and I was like, what are you playing? And they're like, it's this game, Monopoly Go. You should download it. And I was like, okay.

[Sarah Holder]

Brenna got into it right away. Pretty soon, Monopoly Go became a central part of her social life.

[Brenna Ingram]

We started a group chat called the Monopoly Go Mommies. We talk about the game, we partner up with each other for different events, but. But then we also talk about other things like life things and TV shows. And just like it's become more of like a friend group.

[Sarah Holder]

The rules of Monopoly Go are simple.

[Brenna Ingram]

You have dice that you are rolling around the Monopoly board. And as you go around the Monopoly board, you're either collecting tokens or collecting different things to then essentially get rewards.

[Sarah Holder]

The game is free to play, but there are ways to get more dice. Keep the game Going longer and advance through levels faster if you're willing to pay.

[Brenna Ingram]

I feel like the first time I spent money in the game was probably like one of those like $4.99 deals or something to get more dice.

[Sarah Holder]

Monopoly Go is part of a broad universe of online games where you can't actually make any money, but you can spend money. Some of them are known as social casinos. And Vernon Sil, a senior writer on Bloomberg's investigative team, has found that some people are spending a lot.

[Vernon Silver]

The range of money is astounding. You have evidence in these cases of people spending over a million dollars on rolls or coins in these games where they don't have a chance ever of winning back a penny.

[Sarah Holder]

Casino style games have become a booming business for the companies that make them and for the platforms that carry them. The games brought in more than $11 billion to the market intelligence firm Sensor Tower Inc. But recently the industry has been under growing scrutiny.

[Vernon Silver]

These are lawsuits in the US that involve using state gambling law to allege that these games were illegal gambling. And as a result, the players deserve to get their money back.

[Sarah Holder]

Monopoly Go itself isn't the subject of any of these lawsuits, which target games that more overtly look like casinos with graphics resembling slot machines. Still, Brenna's suggestion to somebody considering downloading Monopoly Go for the first time, don't do it. I'm Sarah Holder and this is the big take from Bloomberg News today on the show Inside the world of social casinos and how the world's biggest tech platforms have profited from their rise. Have you ever played Monopoly Go or Double Down Casino or Candy Crush? That's my game of choice. Well, these are all examples of app based games that some in the industry categorize as social casinos or games with gambling like elements. Bloomberg's Vernon Silver says the industry really got its start around 2010 when Apple's app store was in its infancy and everyone seemed to be playing Facebook games like FarmVille. But the industry has only gained steam since the pandemic.

[Vernon Silver]

During the lockdowns, you know, 2020 for Covid, there was a whole boom in people just being on their devices, people playing games, and that's when downloads and in app spending took off.

[Sarah Holder]

Vernon says these social casino games have shifted how some gaming companies make their money.

[Vernon Silver]

The gaming economy used to be, you know, you spend 50 or 60 bucks to buy the game, you know, a cartridge or a login for it, download, and it was yours and you played and you could play as much as you wanted, and it just became much more Lucrative to have most people and convenient for most people, for most people just playing for free. And then a small number of people day after day, week after week, pouring in thousands and in some cases hundreds of thousands into the gameplay.

[Sarah Holder]

Today, the world of casino style games is wide. It includes apps that look and operate very much like little mobile casinos with virtual slot machines and roulette wheels. And it also includes games that look nothing like casinos but still have some of those same gambling style mechanics built

[Vernon Silver]

in which scholars have defined as containing random rewards. So a loot box, a chest where you open it up and you can either get one jewel or 10 jewels or a free sword or whatever it is that when the internal game loop is embedded with a cycle of there's some resource you want and you go out and you try to get it and at random you can get more or less of it and then eventually you can run out of it. And then here you are either waiting an hour or waiting a day or spending $1.99 to get more of that resource and you start the process all over again.

[Sarah Holder]

So what might drive someone to spend not just a few dollars, but hundreds of dollars or more on virtual Monopoly? Go dice or more jewels or more spins. One explanation lies in the game's design.

[Vernon Silver]

Let's say you've been spending a buck or two for 20 minutes play every day for the last five days and all of a sudden you realize, gosh, I've wasted all that money on those when I could have for 10 or 50 or $100 gotten more than enough than I'd ever really need to spend for the rest of the month and all of a sudden, click, you've made your in app purchase and you're spending it.

[Sarah Holder]

Vernon says there are certain mechanics built into many of these games, like limited time offers and bundle deals that to spend larger and larger amounts and keep playing longer.

[Vernon Silver]

The players and the researchers say that there's really no difference between the flow state and state of mind when you're on a casino floor or you're playing a game with random rewards. For some people we found that's perfectly fine and it's under control. And for a small number of people who are the source of the vast majority of the income for online games of all types, it's a slightly different story.

[Sarah Holder]

Brenna Ingram says the Monopoly Go mommies considered themselves casual social gamers, but at a certain point they wanted to figure out how much they'd been spending on the app.

[Brenna Ingram]

So everyone like went to customer service asked. I think mine was like 80 bucks in the past three years. But there were people in the group that had spent like 1500. Two grand, three grand. That's like a vacation or, you know, like rent payment and that kind of thing. So the amount is kind of insane.

[Sarah Holder]

Hasbro, which makes the Monopoly board game, said it works with Scopely, the game maker behind Monopoly Go to deliver a fun, engaging and responsible player experience. Scopely said that Monopoly Go players on average have spent less than a dollar per month, with most making zero purchases. But some of the biggest players of these kinds of games can spend much more. Within the industry, employees at social casino app companies have borrowed the language of traditional gambling businesses to categorize their customers. According to internal emails. Spending a few thousand dollars might make you a minnow, tens of thousands, that makes you a dolphin. And the people who spend hundreds of thousands to millions, they're known as whales.

[Vernon Silver]

We're talking about an economy where something in the range of 6% of the players generate almost all the income.

[Sarah Holder]

This lucrative social casino business model has started to be tested in court. Lawyers have started bringing a series of class action lawsuits against the makers of some of these games. The plaintiff's core argument is that these companies are essentially running gambling operations without a license.

[Vernon Silver]

What these lawsuits are trying to do is to get some of that money back.

[Sarah Holder]

Game makers have argued in court filings that their games weren't illegal gambling because players don't need to pay to play and are never winners or losers of something of value. They also highlight the positive feedback they've gotten from players. One of the cases Vernon examined was brought in Washington State against the maker of a game called High 5 Casino.

[Vernon Silver]

High 5 Casino is what we would call a traditional OG social casino. This is like you go in, there are lots of different versions of casino games. It's one app, and within that app there are dozens and dozens of versions of kind of the same thing, slot machines. What have you set up with different branding and graphics?

[Sarah Holder]

Vernon says one of the striking pieces of evidence in the lawsuit emerged from a transcript between a customer and a customer service rep.

[Vernon Silver]

This particular customer said that they had lost their own ability to control their playing and in a real self deprecating way said, look, I'm addicted. You got to take it off, I can't help myself. And this player was expressing fairly clearly what they wanted the company to do, which was to get the thing off their computer, whatever that might mean to this person's knowledge of how these things worked. The player didn't want it accessible anymore.

[Sarah Holder]

And how did the company respond?

[Vernon Silver]

They shut off her ability to buy new coins and then they thanked her and gave her a billion free coins to continue playing with. This is significant because had this been a regulated casino, Las Vegas or online, there in almost every jurisdiction in the US would have been a procedure, a mandated procedure for helping that person self exclude from playing that game. And you know what the gambling addiction advocates have pointed out, as well as the lawyers for the plaintiffs in this case, is that when you aren't a real money casino, then you're not regulated and you're marketing yourself as a game. You don't have the same regulations, which means you don't have the same guardrails. And when people do get in over their heads, there aren't as many protections for them.

[Sarah Holder]

In 2024, a judge in the High 5 casino case ultimately ruled the company had violated gambling laws. And last year a jury ordered the company to pay almost $25 million in damages to players. High5 declined to comment for the story. In April, it agreed with the plaintiffs on a settlement, the terms of which haven't been disclosed. Many similar class action suits against other game developers have also ended in settlements.

[Vernon Silver]

In Washington state alone, social casinos companies have paid over half a billion to dollars in settlements.

[Sarah Holder]

The company behind High 5 Casino no longer offers the game in Washington state, but in most others it's still free to play via Apple, Facebook and Google. After the break, how the biggest tech platforms in the world are also taking a cut of social casinos and why lawsuits are now coming for them too.

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[Sarah Holder]

Over the past two decades, so called social casino games have become a massive business. The industry's revenue has more than doubled in the past six years. These games have attracted millions and millions of players and the companies behind them have been hit with lawsuits that allege some social casinos are are more like gambling casinos where as the saying goes, the house always wins. But there are some other figures that have been essential to the success of this growing the tech platforms that host the games.

[Vernon Silver]

To get one of these games, you generally have to download it from someplace. And for the most part, as we went from the desktop and Facebook era into the mobile era, Google's Play Store and Apple's App Store became the main place to get these games.

[Sarah Holder]

Bloomberg's Vernon Silver says those tech companies decide which social casino apps make it onto their platforms. And when those apps make money from users, the platforms profit too.

[Vernon Silver]

You have to, you know, apps have to apply to be on the App Store and they also process the payments that are made through the apps. And for all but the smallest earning apps, Google and Apple collect a Commission which is 30% of the in app spending, with some exceptions for certain programs for small businesses. But when it comes to the absolute biggest earners, the vast majority of the dollars that flow through the in app purchases are generating a 30% commission. For Apple and Google.

[Sarah Holder]

What do we know about how profitable these social casino games have been for these platforms?

[Vernon Silver]

The question of how much the platforms are making off of this is sort of a key one to understand, like, who's really benefiting financially the most from this boom in mobile gaming and all the in app purchases that go through it. Apple, we know, is the biggest player because they're the one with the biggest total in app purchases, eclipsing Google, which is second. These companies don't report in their financials how much they're making on games, let alone even on the App Store. Apple does not break out their App Store revenue as a specific line item. But Wall street analysts have their estimates of how much the App Store brings in, and some of the market intelligence agencies that track app spending have their estimates. And what we found out at Bloomberg is it all kind of lines up.

[Sarah Holder]

According to a Bloomberg analysis of Apple's financial filings, analyst estimates, and data from Sensor Tower, last year, Apple ended up generating a higher gross profit from game spending across all games on the App Store, including social casinos, than it did from selling Macs.

[Vernon Silver]

Apple is adamant that you can't calculate these numbers because they don't calculate this sort of profitability themselves inside the company. And any attempt to estimate this based on analyst estimates is an approximation that can't possibly be be accurate when it comes to the more general question to them of what do they make of social casinos. They point out that social casinos as a category is a very small slice of the overall gaming business that's run on the App Store, let alone apps of all kinds. They also are very clear to say that they don't have any role in, you know, designing the direct mechanics inside the games that are on their platform.

[Sarah Holder]

What about Meta and Google? How do they think about social casinos, again, both in terms of their business and in terms of the impact that these games can have.

[Vernon Silver]

So Meta and Google, just like Apple for social casinos in particular, are super clear about the fact that these are not real money casinos that are being run on their platforms, that this is entertainment and that should only be seen as such. And that when it comes to actual real money casinos, there is a route, for example, with the App Store and also through the Play Store with Google, where real money gambling companies can register their apps, but they also have to Submit their gaming commission state by state. They have to comply with all the rules like your DraftKings. One thing that's clear among all the platforms is they want people to understand that when it comes to the real money gambling that you've been hearing more and more about, they're not taking a cut from that. And that when it comes to simulated gambling with the social casinos, that it's their position that they have to put age ratings on them that are for adults only and that these should not be construed in any way as anything other than entertainment.

[Sarah Holder]

But Apple, Google and Meta are the target of a new series of class action lawsuits brought by the same law firm that sued the maker of High 5 casino.

[Vernon Silver]

The cases against the platforms were kind of the second step. So when they sued the platforms, they made a very similar argument that, you know, this is illegal gambling and that the platforms that are hosting, approving, processing the payments for these games should be held responsible in the same way that the games themselves are starting to be held responsible. Those cases are winding their way through the courts right now.

[Sarah Holder]

A judge in California rejected one of the central claims of these suits, that Apple, Google and Meta were co conspirators in an illegal gambling enterprise. But the judge ruled the case could proceed on another one of its key points, that when it comes to social casino games, the platforms acted as payment processors, not merely publishers. A trial is yet to be scheduled.

[Vernon Silver]

That is for the lawyers who brought the cases, the ultimate possibility in getting accountability for the entities that are hosting and processing all the payments for these games.

[Sarah Holder]

Meta and Google said social casinos must comply with those platform standards and applicable laws, including measures protecting minors, and cannot offer anything of monetary value. In a statement, a Google spokesman said, quote, we maintain clear distinctions between licensed real money gambling and social casino games. Apple said in a statement that social casino games are a small fraction of the overall game market and that Bloomberg's reporting conflates the two. The company also highlighted that includes user protections on apps that feature simulated gambling, like enforcing age limits and, quote, requiring developers to transparently disclose the odds for randomized virtual items before purchase. It's so interesting, Vernon, this increased scrutiny on social casino games and the companies and platforms that, you know, make and carry them is coming at a time when it seems like there are so many elements of our society that are essentially gambling. There's the rise of DraftKings, there's Polymarket, there's Kalsha. You can really bet on anything right now. And I'm wondering where you see social casino games fitting into that picture, what it says about our society right now and where you see this industry going from here.

[Vernon Silver]

The idea that within the context of all the like the real gambling that you're hearing about, that there's a corner of that universe where people are not even able to get their money back. There's zero way of winning, right? Probably tells you something about what's driving all the other the DraftKings and the Poly markets. It's that there that maybe the money doesn't even matter. That maybe this is just about the designers and developers of these games understanding more about what keeps people glued to their screens.

[Sarah Holder]

This is the big take from Bloomberg News. I'm Sarah Holder. The show is hosted by me, David Gura and Won Ha. The show is made by Aaron Edwards, David Fox, Jeff Grocott, Eleanor Harrison Dengate, Paddy Hirsch, Rachel Lewis Christie, Katie McMurran, Naomi Ng, Julia Press, Tracy Samuelson, Naomi Shaven, Alex Sugiura, Julia Weaver, Yang Yang and Taka Yasuzawa. There's Much more on Bloomberg.com get unlimited access to all of our coverage at a special rate for [e-mail] podcastoffer thanks for listening. We'll be back on Monday.

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