The DSM-IV diagnostic criteria presented as a checklist is an alternative to SOGS, it focuses on the psychological motivations underpinning problem gambling and was developed by the American Psychiatric Association. In this framework, personality traits favoring present-oriented decision-making increase susceptibility to gambling addiction, mirroring risk-taking behaviors seen in other species. Life History Theory further explains why some individuals are more vulnerable to problem gambling, proposing that those with a “fast” strategy (marked by impulsiveness and short-term planning) may be especially drawn to high-risk, high-reward scenarios. Researchers suggest that unpredictability itself motivates animals (including humans) to persevere in reward-seeking despite repeated failures, which can foster persistent gambling behaviour. Younger adults may also be more prone to gambling due to the evolutionary advantage of status-seeking during peak reproductive years.

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The highest prevalence of problem gambling was found among those who participated in spread betting (14.7%), fixed odds betting terminals (11.2%), and betting exchanges (9.8%). The “British Gambling Prevalence Survey 2007”, conducted by the British Gambling Commission, found approximately 0.6 percent of the adult population had problem gambling issues—the same percentage as in 1999. Nicki A. Dowling, Alun C. Jackson and Shane A. Thomas, a survey done from 1994 to 2008 in Tasmania gave results that gambling participation rates have risen rather than fallen over this period. A survey conducted in 2008 found that the most common motivation for fraud was problem gambling, with each incident averaging a loss of $1.1 million. Some of the harms resulting from problem gambling include depression, suicide, lower work productivity, job loss, relationship breakdown, crime and bankruptcy. According to the Productivity Commission’s 2010 final report into gambling, the social cost of problem gambling is close to 4.7 billion dollars a year.
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Second, some individuals use problem gambling as an escape from the problems in their lives (an example of negative reinforcement). Several psychological mechanisms are thought to be implicated in the development and maintenance of problem gambling. These authors point out that social factors may be a far more important determinant of gambling behavior than brain chemicals, and they suggest that a social model may be more useful in understanding the issue.
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Across 270 studies, there is a significant causal relationship between increasing prevalence of certain gaming behaviors and further risk of gambling addiction. A majority of youths participate in lifetime gambling behaviors, and of those who gamble, over 70% reported consistent gambling within the last year. In Quebec, an estimated 0.8 percent of the adult population were pathological gamblers in 2002. In Ontario, a 2006 report showed 2.6 percent of residents experienced “moderate gambling problems” and 0.8 percent had “severe gambling problems”. According to a 1997 meta-analysis by Harvard Medical School’s division on addictions, 1.1 percent of the adult population of the United States and Canada could be called pathological gamblers. In the United States, the percentage of pathological gamblers was 0.6 percent, and the percentage of problem gamblers was 2.3 percent in 2008.