Also how much does luck have an influence in how much you win?
The first time I tried gambling was with my second character who had a luck of 10. Playing just Blackjack I managed to max out all three casinos on the strip in a little over an hour. I'd say about half the time I got the message that my luck played a role in the game, it certainly was very easy, I'm not terribly familiar with Blackjack and I was still able to win most of the time with little thought or planning.
I've seen other people complain about Blackjack being too difficult, I can't imagine they're worse players than myself so I suspect their characters had much lower Luck.