Setzer Gabbiani always had been a rich man. He maintained his amazing wealth with his gambling skills; soon he was known world-wide as a notorious gambler. However, he was also something of a free spirit and adventurer. He and his close friend Daryl used their wealth to build fantastic airships, and fly around the world. She obviously knew her risk-taking nature would eventually take its toll, because she casually mentioned to Setzer that the Falcon was his if she ever was unable to fly. Setzer, mortified by the idea, promised her that no such thing would ever happen and that he would only take the Falcon after having won it fairly. After a day of flying Darill decided to go out on her own and push the Falcon to its limits. The ship crashed in a distant valley, and when Setzer found the remains he entombed them beneath the sea.
Shell-shocked by the loss, he ended up impressing his desires upon a wealthy opera star named Maria. The pinnacle of his infatuation came when he threatened to kidnap her in the midst of a performance. He had a plan to disrupt the show and kidnap her. However, Locke Cole and his party were desperate for an airship, so he and the Impresario decided to foil his plan by having Celes Chere star in that night's show. Setzer abducted Celes, Locke followed him back to the Blackjack, and the party sought to negotiate for an airship.
Setzer was disappointed when he found out that Celes was not Maria, but he soon found the intelligent Celes to be much more attractive. Celes borrowed Edgar Roni Figaro's double-headed coin to broker a deal: if it landed on heads, Setzer would help the Returners reach the Southern Continent so they could rescue Maduin and the other Espers. If it was tails, Celes would agree to be Setzer's woman. More amused than anything else, Setzer agreed, and he quickly noticed he'd been duped. But Setzer's inherent good nature, coupled by the fact that he seemed to be impressed by the trick, made him pliant to the whole idea and he helped the Returners.
While the others were infiltrating the Magitek Research Facility in the north, Setzer stayed on the airship. When the others did not return, he went to Vector to check on them. He met them as they were fleeing the city and brought them onto the Blackjack to escape. The ship was badly damaged in the attack and almost unusable. Later, he went with them to Zozo to save Terra Branford.
Following the trip to Zozo he accompanied the party to Narshe, where the Elder decided to join with the Returners. Terra agreed to ask the freed Espers to limit their devastation to Vector, after which a coalition of Returners and Narshe guards would storm from the north. The plan was a success, and Emperor Gestahl appeared to have surrendered. He asked Terra if she would try to convince the Espers to negotiate peace, so she and Locke went to Crecent Island to convey the Emperor's message. Setzer and the others were still skeptical of the Emperor and decided to stay in Vector to judge his motives. Setzer and Cid Del Norte Marquez began to rebuild the airship while Edgar used his charms to learn the Emperor's true plans from a maidservant, who said the Emperor planned to capture the Espers. The rest of the party flew to Thamasa to warn Terra and Locke, but they were too late. Kefka had acquired more magicite and used it to revive the Statues and turn the Land of Espers into the Floating Continent.
One year after the apocalypse, with no wings to fly and nowhere to go, Setzer was wasting his life away in a bar in Kohlingen. Celes, Edgar, and Sabin Rene Figaro happened upon him in the bar and asked if he would rejoin their fight against Kefka. Setzer was initially unwilling, having lost any sense of purpose for his life, but again Celes's words convinced him. Setzer then took them to Daryl's Tomb to unearth the Falcon. He shared Daryl's story (and his pain) with the party, and as the Falcon went to the skies Setzer finally buried his grief. he accompanies everyone else on their quest to save the world.
A man like Setzer does not feel complete unless there's some form of gambling within. So he did what any normal airborne gambler in his position would do: build a casino within of course!
When's he not gambling away his hard earned gil (or winning it from Edgar), Setzer usually can be found topside, steering The Falcon.
A gambling vagabond who finds freedom from society's narrow views of morality aboard his airship, the Blackjack Falcon...