Ontario lotteries pay out about 58 cents per dollar in, so that's still $13,000 annually out-of-pocket for a total spend of $31,000. That's crazy money.

Sportsbooks typically pay back more like 90%, brick and mortar casinos 90%-99% depending on the game. I don't know what Ontario mandates for regulated online casinos, but I'd guess they're at the high end of that and focus on volume, return custom and dark patterns rather than extreme house edge.

If it's 98%, the average household loses 0.2% of their income gambling.