It's depend on gambler's religion and family support since that the most important in order to recover their mental before getting worse
Of course , it's need some time to pay their debt but with healthy mind, everything will go smooth later
Doesn't makes any sense to relate it with religion

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Just stop it immediately whenever you think you have crossed the limit and loaing control.
Don't think or even never think to recover your lost , it was the biggest mistake that common people always did.