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It's not cheating, and not illegal. As you said, it tips the odds in your favor. The casino doesn't have to let you play, and will kick you out so they don't lose money on you. Hence, people try to be discrete if they do it, so they can keep winning money.

You want to give people interest free loans with no collateral? That's not just non-profit, that's guaranteed to lose massive amounts of money. You'd be bankrupt before you know it.

He never said it was a direct positive relationship.

Still, you can make educated guesses from user's history. You might not figure out every user, but could come up with a pretty good guess for the population:

https://snoopsnoo.com/u/shaggorama

What is the biggest misconception about Social Security that you see in the general population?