Eh... I can see everyone's point on both sides of this. Though it's way better than say Chuck E Cheeses (where people take their kids all the time) where people pay $20 for tokens, their kids play games, then turn in their won tickets to get two dollars worth of toys. You're kind of playing for the fun of playing the games instead of the toys the kids get from them in that case.
At least the odds are way in your favor in this case. All you have to do is hit another ship with a cannon ball 3-4 times throughout the entire game to get your credits back. Once you get used to it, it's really not that difficult. I can see why they'd make us pay, to keep sore losers from quitting when it looks like they'll lose. Though really that's not so bad in Pirates, since it's usually easier to beat the computer player than a real one.
I actually wouldn't mind them doing it to Haunted, because I've almost completely stopped playing because of all the times people quit out (and yes quit, not dc, I see them in the lobby moments later) because I'm playing well.