I'm trying to understand your reasoning here, and I have a few questions.

I will never ever have a margin account.

Having a margin account versus having a cash account doesn't mean that you are required to actually USE the margin facility. For example, I have an account at one of the largest brokers for over 40 years, and it is a margin account, and I think I only used margin once (for a very small amount for 3 days while waiting for some securities to be delivered, DTC didn't exist yet so things were much slower) a few decades ago.

Betting? Yes.
Even Betting big? Yes.
Betting the Bank? Never.

Are you conflating having a margin account with "betting the bank"? Because that's not the case, even for people who use margin periodically it's not the case. Now, overuse of margin and stretching yourself to the limits is "betting the bank" in many cases.