She makes it seem like you should not marry someone if they are not lucky because then you will be poor.
Later, in the end of the conversation, is the last reason why she can be blamed. Paul's mother tells her son that luck brings you money. "It's what causes you to have money. If you"re lucky you have money. That's why it's better to be born lucky than rich." (96). Paul listens to his mother and understands that the only way to get money is to gamble. This is another way why we can blame her. At the end of their conversation, Paul starts to think confidently about gambling and thinks that he can succeed. ""Well, anyhow," he said stoutly, "I"m a lucky person"" (97). By this time the idea of gambling to make money is deeply instilled in his head.
Paul's motive for gambling is to help his family because they are not well off financially. Paul's mother always wants more money and Paul wants to provide her with some money. There is a sense of needing more money in their house and the family is constantly reminded that they need more money. "And so the house came to be haunted by the unspoken phrase: There must be more money! There must be more money!" (96). No one ever talks about or mentions this phrase but everyone knows that it is there. He knows that his mother is unhappy with her financial state so he wants to get more money for him and his family so that his mother can support them. He figured that if he got more money, then the house will stop whispering that there must be more money. When Paul gets the money and gives it to his mother anonymously, she takes the money but the house whispered even louder and that drives Paul crazy. "The voices in the house suddenly went mad, like a chorus of frogs on a spring evening." (104). He keeps gambling to try to stop the house from whispering.
Later, Paul's mother sensed that something is wrong with Paul. She has a talk with him and tells him not to gamble because it can cause damages to you.