It's realistic on the side of a degenerate gambler. But it's a little annoying and sloppy. I'm a big Adam Sandler fan, but I expect him to see this mess and override some decision making and fix some parts. Although the chaos is just how people like him (gambling addict) live day by day.

If you don't gamble or know about that lifestyle you will most likely not like the film or understand it. When you have a gambling problem you don't rationalize things like paying debts when you have money. It's always, "I can turn this into so much more money."

At the end of the day it's worth a watch once.