When you are affecting your personal life or others people life then you should know it is time to stop what you are doing and think about it. If you are just gambling for fun and to relax, gambling can be just a game if it is at your comfortable level expenses but over stretch your savings it becomes a big problem and you should start to do something about it.
It doesn't the scale for a gambler to know that it is the time to stop when others are already affected with your hobby or addiction in playing. On before it happened then you should be mindful with the things that it will happen if you did not stop your playing activity,
Whatever we say but I believe there must be a pinch from inside of a man when he is doing any wrong act. This is natural and we all are made in such scheme that evil always trigger a sense of guilt in us. But definitely the greed and addiction have ruined that trigger so we dont well shame and guilty next times. Gambling is wrong and harmful and we all need to avoid it as much as possible.