It’s no substitution, but for anybody who can afford $25 here or there, maybe consider giving micro loans. I use kiva.org. Over the years, I’ve lost maybe $5 or so through currency exchange rates changing, while I’ve helped a good few people/communities.
Moral panic is unrelated to games having addictive elements.
A better comparison would be how retro games would be designed for you to die/lose over and over because they were based on arcade dynamics, where the customer has to keep putting in quarters to continue playing.