There is indeed a moral dilemma, just the oldschoolers get used to it and make up stories all the time just to feel a good citizen.
Life is a paradox as whole capitalism is. The worst evil are for sure loans, lending economy a dependency on credit, but yet the economy is now based exactly on that (and I am active indirect lender via my bank and direct lender via p2p lending, where I feel even worse than with gambling).
The dilemma is not just about gambling, it is about life. Everybody has like 3 choices:
1. To play the role of good citizen and hope for middleclass job, income and life. Be a hypocrite and let the corporation who you work for to absorb the guilt. Is a person who is a clerk or cleaner in BAE corporation or any military government, which is directly responsible for death of people, less responsible only because he/she is earning less money?
2. To not play the role of good middleclass citizen (or trying not to do it) and then you have to do something amoral either way. The more amoral it is the more money you earn. But you can can use the money to be just a little bit more free than others or you do not have to watch your child or animal dying. The opposite is that you have either the ongoing moral dilemma, which makes you depressed about the worl, or you lie to yourself, which is the beginning of fading away of your personality.
3. You can live under the bridge (shortcut is to commit suicide).
TL;DR
Any try to put there TOS that nobody reads (as points out executable) or to stick with affiliate programs that may CPA or turnover revenue (but who must be profitable as by revenue share), is just the excuse described above. C'mon you asked only to get a collective approval from people that are in the same situation as you and maybe look for the same social approval. Neither TOS nor social approval will wash the guilt out
If you talk to God, you are praying; If God talks to you, you have schizophrenia.