It can’t be that easy. PEGI says that games containing gambling (real money or not) are rated with PEGI 12 to 18. So there must be something else to the game that led to this rating.

They’re not looking into blatant gambling in AAA titles, of course they won’t take a closer look into an indie game. They’re completely useless.

Ah, but there are also tarot cards, which is spooky Occult voodoo magic. Balatro backwards might spell “Satan is Lord” in some ancient druidic script.