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I often did that ... but made up for it by tagging Speech skill so that Speech challenges can be met!
Are you sure it doesnt affect roulette at all? Back when the game first came out, i had a 10 luck character break all the casinos on roulette (betting all on 1 number, reloading after like 10 or so tries) and it would only take be about 10-15 minutes MAX to break a casino (which meant winning 2-3 times on roulette). One time i even won the jackpot 2 roulette spins in a row.
Whereas i had a 5 luck character try that, and i spent over an hour on one table doing the same thing until i finally won the jackpot one time, and then decided that it wasnt worth my time to try and break all the casinos with that character.
Occasionally you may hit streaks of badness.
10 Luck can clear out most casinos in 3-10 minutes if you risk it, or in 15-20 if you just play blackjack. Or if you want to do it ideally, then go near the ban threshold (within 20 or so slot buy-in range) and start play slots until you hit the jackpot. You can get away with twice the money. Useless in a normal route, but for Vegas runs it's a massive early boost.
You can do this in the 8-10 Luck range, but 7 or less is pushing, well, your real luck with the pseudo-random generator.
If you really want to push your winnings to the limit, the best way to go is to win until you're 1 cap away from the limit and then to bet 200 on a single number on roulette until you win (and reloading if you don't win after about 10 tries or so). Roulette has the highest payouts ever since triple oranges were nerfed into oblivion.
Also don't start gambling with anything les than 2000 chips on the table. You don't even have to use caps. since legion money and NCR money have such crappy trade values I use those to buy chips usually.