Michael Bay is notorious for his superficial approach to filmmaking -- it is all about looks. Give him a World War II epic, a catastrophic event, or a terrorist plot for destruction and he just skims the surface of the human condition. Give him jacked up, directionless, simple-minded body builders, and he gives you characters you can't help but be invested in.
As a blackjack dealer, I can honestly tell you that the majority of the time, gambling does not pay. For every person that leaves my table up, 10-15 will leave down, and the person that left up will most likely lose his/her winnings the next day.
That being said, occasionally a gamble does pay off big time, and changes your life forever.