Indeed, gambling is not for everyone, not only because some people have a psychological problem and can easily get hooked on it or they can't accept their defeat easily but there are also people who are not on the legal age yet. I wouldn't put all the blame to the gambler but also to the agent because he let the gambler play on credit. It's a lesson for him to not allow such act anymore but if he still wants to then he can follow your advice there.
Indeed, basically gambling only applies to those who are over 20 years of age and who have a more mature mindset. But on the other hand, environmental and social factors will greatly impact a person. It cannot be denied that those who are underage can get involved in gambling. In my opinion, we cannot fully blame agents because there are lots of gambling sites, not just offline ones. but many are also online such as slot machines. In the process, there is no difference between the two, especially for slot games where everyone can do it anytime and anywhere. So I mean how can an agency prevent someone who is underage from gambling if the agency doesn't have regulations to prohibit that that is beyond them? What I mean is about online gambling such as slots where everyone can enter it anytime, anywhere, and don't care about people who are underage. In the end, I think most of the blame is on the gambler.