One thing I believe is that, those who get addicted to playing gambling is as a result of the fact that they desperate to make quick money.
I disagree with you, those who are in desperate need of money tend to be more cautious in dealing with gambling activities. I think you have mistaken about gambling addicts who are in desperate need of money to fill their gambling activity for those who aren't addicted to gambling and desperately need money since the latter will have a second thought about gambling since they will think that they might lose the needed money if they gamble it.