The economic effects of online gambling are talked about by Ryan D. Hammer in “Does Net Gaming Enhance the United State Don’t Bank On It” (Federal Communications Regulation Journal, vol. 54, no. 1, December 2001). Hammer suggests that individuals that do not wager on the Internet experience monetarily from online gaming. The high expenses of litigation and accounts payable, he notes, are passed on by charge card business to various other consumers in the type of greater interest rates and costs.