“You did not state time , hour etc.”
No he did not. But the bookie did and it was up to him to acquaint himself with the rules.
“YOU won that Bet.”
Clearly, he did not.
“Just another "small print" cop-out scam”
That’s just silly. Had the bet been placed on a draw it would have been a winner (even though the match did not, ultimately, end in a draw) and the bookmaker would not have refused to pay. Clearly there has to be some understanding of the basis on which the bet is placed when the match can be decided in 90 mins, 120 mins or on penalties. It’s up to the bookmaker which of those to adopt and up to the punter to make sure he knows what will constitute success.
“Never seen a bookie in a food bank.”
No you don’t and you’re unlikely ever to. Bookmakers construct their “books” so that, provided they have a large enough number of balancing bets, they profit whatever the result. A punter cannot bet on all the eventualities and break even, so a group of punters (his “book”) cannot do so either. It’s not a scam, it’s called business. Similarly casinos have an advantage of around 2.7% on roulette. The odds on single numbers are 35 to 1, pairs 17 to 1, etc; which is less that the true mathematical odds (because there are 37 clots on the wheel). This gives the house a 2.7% advantage. On top of that if a spin results in “Zero” all even money bets (red/black, odd/even, high/low) are either lost (which gives the house the same 2.7% advantage) or - in most casinos - are held - “in prison” until the next spin (giving the house a 1.35% advantage).
Quite why punters expect a bookmaker or casino to run their establishments as philanthropic societies is quite beyond be. After all, you don’t moan when a pub charges you more for a pint than they pay for it (or do you?)