People would only stop on the time that they cant literally be able to play just because they dont have anything on their pocket for them to play on. It is really just that there are ones who could be able to have that control and there are ones who couldnt.This is why we do see different conditions and situations because of peoples different taking and reaction been made on the time that they are experiencing such issues on which we do know that this is something that will really differ to each other. The most important stuff that you should consider out is on how to make up good decisions
and make up good actions for you not to be able to put up some effect into your life specially on financial aspect on which we know that this is where usually gamblers do really end up
miserable due to this situation or condition.
True, gamblers will only be able to quit gambling if they have completely run out of money at a certain time, but on the other hand this is not always the last point for addicted gamblers because basically they always have a way or even justify all means to get money to fund their gambling activities,
Like you said, it can be difficult to stop gambling. If someone gambles to the point where they have to take out a loan to cover the interest, they will never be able to pay it back. They may try to run away from their creditors or commit a terrible deed out of guilt, but it is inevitable that they will take out a loan just to place another wager. However, I am of the opinion that there are many different approaches that can assist people who are already addicted to gambling in overcoming their problem.
I think that there are some online casinos or even physical casinos that offer self-exclusion programs. I mean, you can restrict your access to gambling opportunities by intentionally removing yourself from these situations.
On the other hand, you might be able to replace gambling with other interests. You could be able to kick your gambling problem if you gradually started doing things like taking up a hobby, exercising, or interacting with friends and family to refocus your attention and energy.
The things that make it difficult for an addict to get out of their addiction phase is firstly because their main focus is always on winning so it makes it difficult for them to ignore any time not to gamble, simply put they put their hopes on winning so all they want is to keep trying to gamble, and the other thing is that there are some ways that they consider as an alternative if they run out of money and obviously you already said that it is "loans" and this obviously makes it even more difficult for gamblers to stop, Actually, loans are a good alternative that most people use when they are in urgent need, but "loans" will be a dangerous option and trap yourself if you use them for the wrong things like gambling, because this will cause new problems in addition to your addiction problems such as getting into debt.
As I said above, addicted gamblers all they want to do is gamble and that means when they have money they will prioritize gambling over paying back the loans they have taken out and this is the reason why gamblers are very likely to end up in debt. Diverting one's mind to other activities is very useful as a cure for an addicted person, it's a good alternative but to do this requires first realizing that "gambling is making me more and more ruined" and with this realization it will be easy for them to divert their mind to other activities as you suggested.