So if we take the under on every NFL team's win total, and there is no or only a partial season, do we win?
For the NFL and college, teams have to play all scheduled games for the win/total bet to take effect. In MLB, team have to play at least 160 of their 162 games. Yes, RJ is correct that among the tons of ways that casinos make money includes people failing to take the time to collect refunds on cancelled bets (and even failing to cash winning tickets).
FWIW, here are the revised MLB win totals based on the planned 60 game season:
2020 MLB expected win totals
Team Over Under
Arizona Diamondbacks 31.5 +100 31.5 -124
Atlanta Braves 33.5 -117 33.5 -107
Baltimore Orioles 20.5 -114 20.5 -109
Boston Red Sox 31.5 -109 31.5 -114
Chicago Cubs 32.5 -112 32.5 -112
Chicago White Sox 31.5 -112 31.5 -112
Cincinnati Reds 31.5 -112 31.5 -112
Cleveland Indians 32.5 -112 32.5 -112
Colorado Rockies 26.5 -118 26.5 -106
Detroit Tigers 21.5 -112 21.5 -112
Houston Astros 35.5 -112 35.5 -112
Kansas City Royals 23.5 -114 23.5 -109
Los Angeles Angels 31.5 -112 31.5 -112
Los Angeles Dodgers 37.5 -112 37.5 -112
Miami Marlins 24.5 +100 24.5 -124
Milwaukee Brewers 30.5 -112 30.5 -112
Minnesota Twins 34.5 -120 34.5 -105
New York Mets 32.5 -109 32.5 -114
New York Yankees 37.5 -106 37.5 -118
Oakland Athletics 33.5 -112 33.5 -112
Philadelphia Phillies 31.5 -112 31.5 -112
Pittsburgh Pirates 25.5 -112 25.5 -112
San Diego Padres 30.5 -112 30.5 -112
San Francisco Giants 25.5 -112 25.5 -112
Seattle Mariners 24.5 -112 24.5 -112
St. Louis Cardinals 32.5 -112 32.5 -112
Tampa Bay Rays 33.5 -122 33.5 -103
Texas Rangers 28.5 -106 28.5 -118
Toronto Blue Jays 27.5 -120 27.5 -105
Washington Nationals 33.5 -117 33.5 -107
Based upon the team total projections the MLB playoffs would be:
AL East Champ: #1 seed Yankees
AL Central Champ: #3 seed Twins
AL West Champ: #2 seed Astros
WC: Rays v. Indians
NL East Champ: #2 seed Braves and Nats (tie)
NL Central Champ: #3 seed Cubs and Cards (tie)
NL West Champ: #1 seed Dodgers
WC: loser of the Braves/Nats v. loser of Cubs/Cards