I'v never thought about if a dc falls under the same category as an activity win. I guess it should. I'l update rules and include this to make it more clear.
Either way, I really don't like the fact zebra decides when he can and can't pay, unlike Egg.
I would love to blacklist zebra, since he's already shown he won't pay if he doesn't feel like it with another incident, but there isn't much I can do to stop him betting, if someone wants to bet with him, I can't really stop them. All I can do is warn people I guess.