Pat Henzy is an illustrator based out of Philadelphia.
This reminds me of Samuel Taylor Coleridge's "The Rime of the Ancient Mariner". It's a story that depicts a sea voyage in which Death wins the lives of all the crew and Life-in-Death wins the Mariner's life in a game of dice. This is punishment for killing an albatross. Unlike the tale of the Mariner's voyage, the skeleton in this image did not live to tell the tale.