Every point on this site rests on one fact: a return below 100% means the game costs money over time. Everything else follows from deciding how much that is worth to you.
At 98% RTP, a thousand drops of one unit has an expected cost of twenty units. Variance around that is very wide — you may finish far ahead — but the direction over enough rounds is not in question. Anyone describing these games as an income source has either not done this arithmetic or is not sharing it.
Set in advance at the operator, and not raisable immediately.
A timer that interrupts is more useful than an intention.
Available at licensed operators, usually irreversible for the chosen period — which is the point of it.
BeGambleAware (begambleaware.org) and Gambling Therapy (gamblingtherapy.org) offer free, confidential support internationally. Gamblers Anonymous runs local groups in many countries. Licensed operators are required to link to support services.