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.
Undisciplined gamblers will only lose more money and can even go bankrupt because they will continue to borrow money from other people when all their money is gone. They don't even know when to stop gambling because they think they can still get a chance to win. And even though they still have a chance to win, they can't expect it, especially after losing so much money, because even though they win, they still lose more money. They are not aware of this and decide to continue gambling, and we do not know to what extent they will be satisfied. We should not copy what they do and continue to practice being responsible gamblers to avoid losing a lot of money.