What will you do with your last balance? Waiting for the right moment before made a bet or because I like sports betting sometimes I bet on the game that will end? i do that because no more chance for me so i think better i'm rely on luck.
I won't risk my last balance if most of my balance came into losing in gambling. What I do is to cultivate it and taking a better option of taking a risk in trading, it's a more reliable way of if you want to not lose that last balance of yours.
If you continuously losing your money than better not use your last balance in gambling. Definitely it is useless to use our last balance in the last losing bet. Then only better to quit. Usually, when it would happen with me, then i suddenly stop to play and the other day i try to play and also try to luck. But if you taking a last risk in gambling with your last balance than don't worry we all are doing a lot of work behalf of risk in our daily life.
For what you keep your last balance on your account, when you gamble there are only two choices to lose or win so if you already know that your balance is going to run out or the last of course you have to use it because IMO you have lost.