She may have lost more than $13 million, but I would assume someone who inherits $40 million would also have significant expenses outside of gambling.
The link you provided was an educational read. She probably lost a lot more than $13 million as article states:
"...O'Connor, 66, once had a personal fortune that her attorney estimated between $40 million and $50 million, inherited from her husband of 17 years, Robert O. Peterson, founder of the Jack in the Box Inc. fast-food chain. She is now virtually broke, living with a sister..."
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