You are probably right, but we tend to take longer cruises and we seldom spend our cash reserve, but it is nice to know it's there for an emergency or for a special purchase. We usually don't take more than $500, but the OP said they gamble. We don't.
Landlocked in Denver, but cruisin every chance we get.
Polynesia, Carib. '86
Cr. Odyssey, Scandinavia, '91, 30 Day S Pac. 2002
Crystal Harm, Aust., N.Z., '94
Royal Odyssey, AK,'96
Old Cr. Pr. Canal, '97
RCCL, Carib, 1998
Volendam, Car, 2000
Ryndam, 35 day S. Am., Antarctica, '03
Is. Pr., Canal, 2004
Statendam, 34 day China, Japan, AK '06
Cr.Pr., Carib. 08
Eurodam, Atlantic, Med. '10