I've been on a payment plan before /w my local... We're friendly aquaintences, and he knows I'd never stiff him. We even joked yesterday when I was picking up about how I'm moving to the west coast, two days after the SB.
He has a few guys I know who get caught up in the moment and go on a payment plan once or twice a year... I think he usually gives them some kind of a break. Good guy.
Yeah, it happens.....a guy is playing all year, and then at some point he goes bad...maybe a Bill comes up, and he can'tpay both afte having a Bad week of gambling