Wow! How inconsiderate! No matter how rough her life has been lately, It is because of her own choices, and you can't always feel sorry for her. Like you said "she is old enough to know what she is doing." She should indeed, pay you back the money and you shouldn't feel bad asking for it. She demonstrated a complete lack of consideration and respect for you, in loosing all your money. Especially without telling you she had done so. (I would be upset too!) Perhaps she needs some counsling for the failure of her marraige, her ex- and his new life, and the loss of your grandmother. She could be suffering from depression and It sounds like she is loosing control of herself and or life. If you wanted to recover your money, you should check your state laws about online gambling, and your rights and responsibilities. Good luck with this issue, It is so hard to know what to do when some one we love treats us bad!