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The difference between reported and actual spending was calculated by comparing SHS data to OLG revenue . Another example that Ontario could follow is Britain’s NS&I , which encourages savings by offering the chance to hit the jackpot. Customers can buy prize-linked Premium Bonds from NS&I for £1 each. Instead of earning interest on these bonds directly, buyers have a shot at winning between £25 and £1 million each month. The minimum investment is only £25—manageable even for those with very limited incomes—and every bond number gets a separate entry in the draw, an incentive to save more. Contrary to what lottery ads would have Ontarians believe, people shouldn’t hope to get something for nothing. It’s time for government to fulfill its responsibility to turn bad habits into good. On the face of it, state-run gambling appeals to those seeking an activist state. But as we’ve shown, using gambling money to fund these programs means that a disproportionate share of the cost is shouldered by the poor and marginalized.

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