If I'm rich there's no need for me to gamble anymore I'd rather spend some of my money to satisfy my needs, it's a win win situation.
No, You need to be rich to be a gambler. How can you gamble if you have nothing to invest. however I decided to gamble for fun unexpectedly I won and I continue to gamble until I took the chance to take all my money to gamble and I lost because change purposes from for fun to profit!
I dont think so, gamblers are not only rich people. I would say there are many poor people who gambling because they want to be rich in a quick way. How they gamble if they do not have something to invest? There are some ways for them to start gambling, something like ask for loans, selling stuffs etc.
Getting loans to finance our gambling habits is never advisable, you are all fighting in a losing battle and in the end I am pretty sure you will end facing lots of problems on your financers and that would lead to losing you will to work that will your relationship with your family.