To be honst I think state run lotteries are a pretty good idea, if they would replace other forms of gambling, which apparently is becoming less and less true, especially with the rise of the completely under regulated prediction markets.

Regarding the subject at hand, I think a very obvious and necessary first step is banning children from participation. Obviously this is easily circumventable, but at will at least be some form of harm reduction.

I think another possibility as a first step is a forced limit on how much an account is allowed to spend in a given time, e.g. the company is only allowed to add digital goods not exceeding X euros to the owners account, together with restrictions on how these items are traded, this will make whaling impossible, which is apparently the most important demographic for developers. [ https://www.youtube.com/watch?v=xNjI03CGkb4 ]