““In 2000, John Duthie won the Poker Million on the Isle of Man. He was in the newspapers, he was on television. The first player to win £1,000,000 outside America. Knowing himself, Duthie had the cleverest idea of all time: he put a chunk of the money away, for mortgages and children’s education, in a bank account that he opened jointly with his father-in-law. Brilliant. If it had been a joint account with his wife, he might have phoned her from a casino one desperate night and begged her to co-sign a big withdrawal slip. But a call like that to his wife’s father? Never.””