Gaming systems, methods, and software are provided which adjust the volatility of a gaming machine based on the player's current bankroll. A preferred embodiment includes a method that determines a game player's bankroll amount including cash or credits available for wagering. It then determines the desired payout volatility based on the game player's bankroll amount. From the desired volatility, the method selects a payout table based on the desired volatility. The method then includes receiving a wager input from the player effective to place a wager and conduct a game at a player station with the selected payout table. In some versions, a paytable may be selected directly using bankroll information, without the intermediate step of identifying a desired volatility level. Further, other factors may be considered in choosing the desired volatility or paytable.

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