frontpage.
newsnewestaskshowjobs

Made with ♥ by @iamnishanth

Open Source @Github

fp.

Open in hackernews

Sports Betting Is Everywhere, Especially on Credit Reports

https://libertystreeteconomics.newyorkfed.org/2026/03/sports-betting-is-everywhere-especially-on-credit-reports/
36•m-hodges•2d ago

Comments

erulabs•1h ago
0.5% increase in credit delinquency rates over 3 years feels... underwhelming.

I'm not a gambler and I personally find gambling morally questionable and intellectually embarrassing, but golly I'm tired of sports gambling being pointed in a sort of "see, freedom doesn't work!" sort of way.

1% of people will ruin their lives no matter what society does to prevent it. If you have a gambling problem (if it even appeals to you), I would as a _friend_, recommend you seek help; but as your fellow citizen? Up to you.

remarkEon•1h ago
I was surprised by that too, but maybe we're too early. It's hard to put a precise point on it without hard data, but it just feels like gambling was better when you could do it in two places (Vegas, Atlantic City, maybe to a lessor extent at the horse track) and you had to actually travel there to make a big show of it. And you also felt a little bad about it.

When I turn on sports today it's just in your face gambling all the time. I think we'll come to regret this.

iambateman•1h ago
I mean…keep reading.

For the affected population, it’s around 10 percentage points—or double.

So people who sports bet are twice as likely to be delinquent as those who don’t. I’ll give you that the effect is smaller than I expected.

Here’s the thing though…it’s not like that trend is slowing down. The finalization of prediction markets and continued normalization of betting as a pro-social behavior is currently headed to the moon…so we should ask if it’s causing major side effects.

Smoking makes someone 25x more likely to develop lung cancer. Right now it looks like sports betting makes you 2x more likely to be delinquent on your car loan. At what incidence does that become anti-social enough to try to curb?

parthdesai•1h ago
Sports betting is regulated, prediction markets aren't though. That's a pretty stark difference
eru•20m ago
There's plenty of regulation around them. But sure, you can ask for even more, or different regulation.
BoorishBears•1h ago
As a fellow citizen we should stop letting this stuff be advertised and shoved down our throats.

You can barely even watch sports these days without interacting with betting, who is this helping?

If people want to seek out destruction, let them. But don't advertise and glamorize self-destruction by letting these people pay famous people to make their platforms look like the place to be, or have open discussion of their vice embedded in the broadcasting.

nofriend•1h ago
It was banned most everywhere, then with no public debate on the subject, much less consensus, all of a sudden it was legal and in your face wherever you went. If it's going to be made legal, it needs to be justified, rather than there needing to be justification for making it illegal. I personally think it would have a high bar to overcome.
zoklet-enjoyer•38m ago
Here's the justification; it's my money and I'll spend it how I like
eru•21m ago
> If it's going to be made legal, it needs to be justified, rather than there needing to be justification for making it illegal.

Huh, why?

> It was banned most everywhere, then with no public debate on the subject, much less consensus, all of a sudden it was legal and in your face wherever you went.

They didn't change any laws, did they? So it was as legal earlier as it is now, isn't it? It's just that someone found the right loophole that was always there.

snthpy•1h ago
I agree. Ban the advertising and promotion of it, like we do for cigarettes, because the industry is really predatory, but leave people the choice.
acomjean•55m ago
As Comedy Central put it. “Sports, brought to you by gambling”.

I don’t disagree on ad regulation but it’s enmeshed now and will be hard to control. Leagues kept their distance because it looked bad, but now seem to embrace it as it must generate a boat load of ad revenue.

eru•17m ago
Well, 'sports' itself is predatory and causes lots of young people to trash their health for the amusement of onlookers.

I say 'sports' to mean the stuff people watch on TV and in stadiums. You going for a run or kicking a ball with friends is fine. It's audience-driven sports that are bad.

A bit of betting is small fry by comparison.

Jcampuzano2•1h ago
I personally don't participate in it and don't really find it interesting at all. For the longest time it was fairly normal to bet among friends, but I do know some people who seem to obsess now over sports betting to what feel like unhealthy levels.

I really don't care and I'm definitely on your side where I think people should be allowed to do what they want in this regard.

The crossing of line for me though is that this is now being advertised on TV and practically everywhere and being normalized for children and teenagers.

Call me a cynic, but I think the real goal in the long term for these companies is to get people addicted to it and to normalize it from a young age while they're more impressionable and thats where I believe the true harm is.

pinkmuffinere•39m ago
0.5% total increase seems pretty small to me too. It looks like it's pretty much increasing linearly though, so it's possible that in ten years it will be at 3% or something, which I think would be concerning. It's hard to tell whether that will continue, or whether we'll hit a natural steady state, but it seems like we're not at the steady state yet.

edit: I think it also matters whether this is a 0.5% _relative_ increase in the rate of credit delinquencies or if it's an _absolute_ increase of 0.5% in credit delinquencies. Eg, if the baseline rate was 0.5%, and this increases it to 1%, that's big

rmunn•11m ago
Percentage increases, and the phrase "X% more likely", are usually quite ambiguous. I wish more people would tell you whether they mean absolute or relative increases. E.g., if (numbers made up for example) 0.5% of the general population are delinquent in credit, but 1% of gamblers are delinquent, then you could report that as either a 0.5% increase (absolute) or a 100% increase (relative). Which one people choose often has a lot to do with the impression they're trying to give: are they trying to panic you, or give you actual facts?

And knowing the baseline of a relative increase can matter a lot. If something goes from a 0.001% to a 0.002% chance of happening, that relative 100% increase means very little. If it goes from a 50% chance of happening to a 100% chance, that same relative 100% increase means a lot: it's gone from a coin-flip to a certainty.

jackconsidine•1h ago
Very interesting. Would love to see comparisons with LV where sports gambling has always been legal (relative delinquency rates to other states before the ‘18 ruling, especially in the u40 group). Also change in delinquencies in LV as a control (presumably flat)
ralusek•1h ago
That feels like it wouldn't provide a useful comparison, because the people who were going to bet on sports when LV was the legal place to do it, would go to LV to do it. Their delinquency rates wouldn't necessarily be reflected in LV, though, since they've come from elsewhere to do it.
originalvichy•1h ago
I’m waiting for this to affect more young men from my country of Finland.

Decades of a government monopoly on gambling was dismantled, and the market is being opened up for foreign companies buying licenses to operate.

It feels like there is a global wave of reintroducing every ”vice” that was somehow curbed with laws and restrictions. Nicotine? Cigarettes were so expensive that young people didn’t even bother, until snus, vapes and nicotine pouches (especially the pouchess) took off, and now more young people are hooked on nicotine than ever, and even younger.

Light alcohol beverages were only sold through supermarkets, and the wines and the stronger stuff through the well-equipped national monopoly. Now home delivery and breaking up the monopoly is on the table. Ever stronger stuff is getting moved to supermarkets instead of liquor stores.

Now gambling is next. It’s so bad that even the great Apple Inc. includes betting odds by DraftKings (it says so on the app) on their Sports scores app that’s rated ages 4+. You literally have to go to the app settings to turn them off.

All these rollbacks are made by economically right wing parties in the name of personal liberties. Oddly enough, as with many such reforma by the economic right, the gains are personal, but the losses are collective. Billions of euros a year go into fixing the negative effects of alcohol and nicotine. I’ve no idea about the numbers for gambling, but at least the revenues from the government monopoly funded NGOs and other public services directly.

It’s increasingly maddening seeing imperfect solutions to terrible human problems being replaced with… nothing. Nanny state laws might not work, but neither does my alcoholic neighbour… or my old high school friend, who lost so much money gambling that he refuses to find work, because the debt collectors taking a majority of his paycheck. They have more freedom now, at least.

umanwizard•1h ago
Why don't you say what country you mean? Sorry, but just writing "in my country" and leaving everyone else to guess is an internet trope I find very annoying.

Edit: Looks like you edited your comment to say Finland. Thanks!

As for the content of the comment, I totally agree. I think the eroding standards of regulation of addictive substances (and addictive behaviors like gambling or social media apps) is a serious mistake that we will come to profoundly regret.

eru•15m ago
Nicotine is actually good for you (at least no worse than caffeine). It's all the other stuff in tar that's bad for you. And that part of the smoke is bad pretty much whatever you burn.

Vaping avoids most of that.

iambateman•1h ago
They buried the lede…

Participation in sports betting appears to make people about 2x more likely to be delinquent on their loans.

Whether you think that’s “bad enough” is another question, but the article doesn’t make it very clear what the effect size is.

julianozen•1h ago
I wonder if this is just selection bias

People who are bad with money are bad with money

eru•16m ago
Well, at least you'd want to be careful about correlations vs causation, yes.
itsthecourier•50m ago
there is a book. addiction by design, exactly about this.

most of betting houses depend heavily on problem gamblers, I will look for some stats, but the truth is regulators don't care or have controversial ties very often

Don't YOLO your file system

https://jai.scs.stanford.edu/
144•mazieres•3h ago•69 comments

AMD's Ryzen 9 9950X3D2 Dual Edition crams 208MB of cache into a single chip

https://arstechnica.com/gadgets/2026/03/amds-ryzen-9-9950x3d2-dual-edition-crams-208mb-of-cache-i...
52•zdw•2h ago•23 comments

Make macOS consistently bad unironically

https://lr0.org/blog/p/macos/
335•speckx•9h ago•233 comments

LG's new 1Hz display is the secret behind a new laptop's battery life

https://www.pcworld.com/article/3096432/lgs-new-1hz-display-is-the-secret-behind-a-new-laptops-ba...
158•robotnikman•4d ago•87 comments

Anatomy of the .claude/ folder

https://blog.dailydoseofds.com/p/anatomy-of-the-claude-folder
406•freedomben•13h ago•195 comments

Nashville library launches Memory Lab for digitizing home movies

https://www.axios.com/local/nashville/2026/03/16/nashville-library-digitize-home-movies
120•toomuchtodo•4d ago•31 comments

Show HN: Twitch Roulette – Find live streamers who need views the most

https://twitchroulette.net/
70•ellg•6h ago•38 comments

Improving Composer through real-time RL

https://cursor.com/blog/real-time-rl-for-composer
70•ingve•1d ago•17 comments

Velxio 2.0 – Emulate Arduino, ESP32, and Raspberry Pi 3 in the Browser

https://github.com/davidmonterocrespo24/velxio
106•dmcrespo•7h ago•33 comments

ISBN Visualization

https://annas-archive.gd/isbn-visualization?
114•Cider9986•8h ago•17 comments

Telnyx package compromised on PyPI

https://telnyx.com/resources/telnyx-python-sdk-supply-chain-security-notice-march-2026
93•ramimac•19h ago•100 comments

The Interactive Lost Place Map

https://lostfoundations.org/
6•bilegeek•3d ago•0 comments

Installing a Let's Encrypt TLS certificate on a Brother printer with Certbot

https://owltec.ca/Other/Installing+a+Let%27s+Encrypt+TLS+certificate+on+a+Brother+printer+automat...
200•8organicbits•14h ago•49 comments

Meow.camera

https://meow.camera/#4258783365322591678
217•surprisetalk•13h ago•54 comments

The Future of SCIP

https://sourcegraph.com/blog/the-future-of-scip
49•jdorfman•12h ago•18 comments

Explore the Hidden World of Sand

https://magnifiedsand.com/
200•RAAx707•4d ago•35 comments

‘Energy independence feels practical’: Europeans building mini solar farms

https://www.euronews.com/2026/03/26/suddenly-energy-independence-feels-practical-europeans-are-bu...
233•vrganj•19h ago•229 comments

DOJ confirms FBI Director Kash Patel's personal email was hacked

https://arstechnica.com/tech-policy/2026/03/doj-confirms-fbi-director-kash-patels-personal-email-...
237•sebastian_z•6h ago•124 comments

Fets and Crosses: Tic-Tac-Toe built from 2458 discrete transistors

https://schilk.co/projects/fetsncrosses/
30•voxadam•3d ago•8 comments

Building FireStriker: Making Civic Tech Free

https://firestriker.org/blog/building-firestriker-why-im-making-civic-tech-free
104•noleary•1d ago•25 comments

Colorado House passes bill to limit surveillance pricing and wage setting

https://coloradonewsline.com/briefs/surveillance-pricing-wage-setting/
82•jprs•8h ago•9 comments

Embracing Bayesian methods in clinical trials

https://jamanetwork.com/journals/jama/fullarticle/2847011
89•nextos•4d ago•9 comments

People inside Microsoft are fighting to drop mandatory Microsoft Account

https://www.windowscentral.com/microsoft/windows-11/people-inside-microsoft-are-fighting-to-drop-...
566•breve•14h ago•419 comments

Desk for people who work at home with a cat

https://soranews24.com/2026/03/27/japan-now-has-a-special-desk-for-people-who-work-at-home-with-a...
358•zdw•12h ago•132 comments

Type Construction and Cycle Detection

https://go.dev/blog/type-construction-and-cycle-detection
10•commotionfever•3d ago•0 comments

Sports Betting Is Everywhere, Especially on Credit Reports

https://libertystreeteconomics.newyorkfed.org/2026/03/sports-betting-is-everywhere-especially-on-...
36•m-hodges•2d ago•25 comments

Capability-Based Security for Redox: Namespace and CWD as Capabilities

https://www.redox-os.org/news/nlnet-cap-nsmgr-cwd/
37•ejplatzer•9h ago•5 comments

Automatically generate all 3D print files for organizing a drawer

https://geniecrate.com/
32•woktalk•2d ago•20 comments

Hold on to Your Hardware

https://xn--gckvb8fzb.com/hold-on-to-your-hardware/
584•LucidLynx•18h ago•470 comments

21,864 Yugoslavian .yu domains

https://jacobfilipp.com/yu/
80•freediver•2d ago•104 comments