Dude no offense but you must be vastly overestimating how many people can save $300 a month. We're talking about people buying couple lottery tickets a month.
That's the problem though. I know many people who can't save $300/month, but easily spend that much in consumables, scratchers, alcohol, drugs, etc. On the subject of gambling addiction, $300/month by someone who can't afford it absolutely happens. Go to a GA meeting sometime. They get their paycheck, gamble it away, and then don't have money for rent. Unrestricted gambling is the devil and will be the downfall of America. I'm not one for "shoulds", but there should be something like an accredited gambler law, where you're not allowed to gamble more than 1/3rd your paycheck except in certain circumstances.
> We're talking about people buying couple lottery tickets a month
Those people do not have a gambling problem, though. They are dropping a few bucks a month to buy a daydream. It could be worse, they could be spending 10x that on Starbucks.