Some of what you say here is true but that doesnt mean gambling will ruin your life. If you have an addictive personality and cannot control when to stop gambling, then yes you prob shouldnt gamble. If you have self control and just wanna toss a few dollars around here n there then youll be fine.
Yes you're 100 percent correct, everything shouldn't be blame in gambling and it's your personality that reflects whatever you did like addiction, its not gambling itself saying come and play its the dicision of yours. We are human, we have our own will so be responsible on what your act is and important thing is have self control, its for your own good and for your family which the most important in our lives.