It is my understanding that the use of credit money, or money that the player cannot afford to spend, cannot be called "responsible gambling". 
This is just already completely and irrevocably "an irresponsible game." 
Here the question is what kind of person, what kind of player began to play for money that is not his own money?  And here I come to the conclusion that such a player is at least already at the stage of the beginning of gambling addiction.  This is at least.  Maybe he has already completely turned into a gambler with an addiction that needs to be treated forcibly or by other psychological methods.  Just the stage when a player begins to use other people's money is a clear and well-understood signal for his close people, family members or friends that some action must be taken to make him stop playing like that.  And it’s better to force such a player to stop playing for some fairly long period of time.  It is clear that it is quite difficult to force it, but in principle it is most likely possible by different methods.