Legalization only goes so far, just look at how long Las Vegas has been around. Theoretically that one city should've knocked every illegal gambling operation around the country out the park, yet there's even illegal gambling operations going on in Vegas! There's always going to be activities being run outside of government regulation. Sure you can go to a bank or a payday loan place and get a loan, but what if you don't have credit? What if you don't want to do all the paperwork? What if you want more than they're willing to loan you? Go to a loanshark. What if your local illegal gambling business offers better odds than your nearest casino? None of these things are going away. Even cigarettes are legal, yet organized crime makes a lot of dough selling untaxed cigarettes because the taxes are so high.