Not only online gambling but offline gambling could be also harmful. If a gambler, gambles with such a huge amount of money, which he can't afford to lose then surely he is going to face such issues in his life that you've mentioned. Hence, only gamble with money that won't affect your life negatively after losing it.

Nope, I'm not at least!
I gamble when have to kill my free time so addiction is far away from me.