A wagering game system and its operations are described herein. The operations can include accessing a player account and reserving a portion of funds from the player account in a reserve account, such as an escrow account and/or a credit account. The operations can further include permitting play of a wagering game after the reserving the portion of the funds from the player account in the reserve account. The operations can further include, in response to a wager drawn from the portion of the funds in the reserve account, initiating a round of play of the wagering game.