There are two scenarios based upon your question
1) This is not gambling because you're just simulating an action through a simulator (i.e videogame). In the same way you're not stealing because you control a character who's a thief, you're not a gambler for doing that through a simulator
2)You're actually gambling because however you're basing a certain outcome on chance and probability, even if no money is involved (whether virtual or real, but in this case I assume virtual) and furthermore you yourself are enacting and implementing the bet, not the character by itself, and so it may be that the sin would retract towards you. Now in this scenario, if it were a concrete action that happens to be committed by hands then there's no sin upon you, but since the action you are taking on board in this scenario can be considered abstract, then it could be that it is taking place EVEN in this worldly reality because you are "betting" from your points in the videogame, and even if it is not direct as an action, it is still betting because you're committing it from a game-based currency.
Edit: it is unlikely that if you're committing a sin with a character it evolves into a sin against you in the real world, but on the particular case of betting, it MAY BE that you yourself are basing your outcome on percentage and by putting fake currency. Surest thing is not to play at all.