Many individuals can read the odds right back to you, but that doesn't imply they have a great grasp on what those odds actually mean. It may not be legally wrong under any current law, but give the commercials that make a very emotional appeal (you can never win if you don't play, he look at all the stuff someone one... except they choose not to play), it has the same stink as offering a child a trade that is not in the child's interest. The latter is illegal because we can draw an easy to draw line using age, but it is just as hard to say what is the... whatever... needed for a child to agree to a trade not in their favor that they don't have but that an adult has.