You HAVE to have done something with the luck. I actually started keeping track of the runs after how fucking awful the luck has been. Out of 30 draws, I had NINETEEN unwinnable hands (kept drawing until bust to make sure that at no point could've I stood and won). The dealer was consistently getting 20s and I was consistently getting 14-16s. If this isn't intentional, I really feel like you should add something safeguard against this. I got behind on the debt, and lost most of the skim, and the game basically became unplayable unless I really wanted to do an extremely slow and tedious grind.
And honestly, this wouldn't matter as much if the debt quota thing didn't keep increasing. I really feel like that mechanic made the game less fun, as I was forced to take more risk than I'd've liked, and wasn't allowed to play at my own pace, and wasn't able to take full advantage of the upgrades just so I could focus on the debt.
Really cool idea, and was SO close to being super fun, but was absolutely ruined for me, and I had a miserable time.