Gambling addicts will never stop if they haven't run out of money, that's why OP warns us when to stop, don't let gambling interfere with all our activities and finances, it's better to think carefully than to suffer in the long run.
Any gambler who fails in knowing when to stop, gambling by itself will tell him when by the time it has taken him to another level he himself couldn't understand how, we have always been saying it that we should gamble responsibly, anyone who doesn't will have to face the consequences with gambling on their own risk as such, if we are gambling , then we have to be that observant in knowing when to stop or continue as the case may be, this is how we are going to know a gambler who has self control over himself while gambling from those who doesn't.
I very much agree with you, if a gambler is not disciplined to know when to stop, by the time he goes totally broke and no sources to borrow money to gamble, coupled with the fact that you can't gamble on credit, then stop becomes inevitable, whether he likes it or not. But it doesn't have to reach that stage of losing everything before a gambler will know with regrets that they should've stopped earlier and saved themselves avoidable loses. Every gambler that plans to gamble responsibly must have a budget for gambling and be very disciplined not to exceed the set limit.
On the other hand I think that loans are one of the things that they will use as an alternative when they run out of money, and that means that the existence of loan services can also make it more difficult for them to be able to stop gambling even if they have run out of all their money, as we know an addicted gambler is very difficult to make considerations at the beginning, such as thinking about how they can pay off their debts because on the other hand they have run out of everything, and in the absence of a mindset that leads to considerations then obviously loans are one of the actions that I think they will definitely choose and do.
Your advice is good that quitting gambling doesn't have to wait to lose everything but the vast majority of people will not find it easy to do this, such people understand that regret always comes at the end but this is something that they are very likely to put aside in the end, simply put those who are already addicted will only be able to stop when they have run out of everything, no one can help them unless they are already in a situation that can really traumatize them for the downturn they have experienced.