Crosscut · 21 min
Sports Betting Apps
To keep users hooked, developers design betting apps to erase every physical barrier to spending, leaving actual paper cash as the last reliable way to force a gambler to stop and think.
Why Making Americans Bet with Cash Could Protect People From Gambling Problems × Our Reporter Spent 10 Weeks Gambling on DraftKings. Here Are 5 Things He Learned.
Published 2026-10-06
0:00 / 21:03 · Narrator Sulafat/Charon/Vindemiatrix
In this episode
The Conversation
Why Making Americans Bet with Cash Could Protect People From Gambling Problems
by Jay L. Zagorsky, Associate Professor of Business, Boston University
The connection
A reporter spent ten weeks mimicking an addict on a sports betting app, clicking and swiping to see what happens behind the screen. That ProPublica experiment, published today, shows how platforms intentionally erase friction, overriding their own safety limits to keep users hooked. There is a real puzzle in how to counter that seamless design. Writing in The Conversation last month, an economist suggests a low-tech fix: forcing gamblers to bet with paper bills. Handing over cash adds just enough awkwardness to break a mindless cycle. Reading these pieces together reveals a quiet tug-of-war over friction—the massive effort required to engineer it out of a phone, and the simple way it might pull someone back from the brink.
Jay L. Zagorsky leaves you with a surprisingly low-tech image: someone physically handing over paper bills to place a bet. He suspects that the sheer hassle of finding an ATM and counting out cash is enough to break a mindless betting habit. The ProPublica piece up next shows exactly why that physical friction matters, by taking you inside the digital machine that stripped it all away. A reporter named Jake Pearson spent ten weeks clicking through DraftKings, mimicking a gambling addict to test the app's safety features. What jumps out reading the two together is the sheer mismatch in power between a human and a smartphone screen. The ProPublica piece reveals how betting platforms are engineered to override their own opt-in limits, bombarding users with promotions that make the next wager completely frictionless. Zagorsky looks at the macro economics of the industry, but this second piece zooms right down to the glowing screen in a gambler's hand. Read alongside Pearson's ten weeks of engineered digital speed, Zagorsky's cash-only rule stops looking like a quaint throwback to the pre-internet days. Instead, forcing people to use physical money starts to look like the only reliable way to jam the gears of an app built to never let you stop.
What lingers is the quiet danger of a perfectly smooth screen. A phone makes parting with money completely painless, stripping away the natural, awkward pauses that might make a person stop and think. Putting physical barriers back into the routine—like the simple act of counting paper bills—breaks that trance. But when the rest of daily life trains people to expect instant, invisible transactions, how does someone successfully build a wall around just one dangerous habit?