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The problem with playing against the martingale system is that you need to have a big bankroll, so when to stop probably depends on how much you can afford (or feel comfortable) to lose.
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No, you don't need to have a big bankroll to play against a martingale. There is a common misconception that you can break the bank with a martingale, but casinos face no risk of a large loss against someone playing a martingale.
I have played against someone using a near-martingale in backgammon, and the stakes escalated to over 40 times the original amount. My opponent was only trying to win most of his money back. I lost the last match, but finished ahead by a lot.
When someone raises the stakes repeatedly, you should be concerned about whether you will get paid.
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Yes, you are rigth. You risk very little while the player using the martinggale risk a lot.
But how could you finish on plus if the Martingale system player won the last game?
Regards