When you are depending on someone for assistance because you want to gamble it means that you are risking what you can not afford to lose. Why because you don't have the money to gamble but someone have to give it to you before you can stake.
But when you have jobs that pays you money so well and you are gambling it means you are risking what you can afford to lose. Why because ones you lose your job will give you another money.
However, many people would say even if you have jobs but you are staking higher it also means you are gambling with what you can not afford to lose. Moreover it's true and I have to dauth but I have a feeling that ones someone that have a good paying job is staking more than what he can afford to lose, there is no different between addiction there.
Literally there's a grammatical error here in your first statement which days "afford to lose",you rather say Can't afford to lose because you can't afford to lose something you have worked for as pertaining your time, effort, strength.
They are two different quotes entirely and you can't use them for same sentence cause it just formulate a blunder in the English.
Let's say you earn daily and 5% of it goes for Gamble always and as you tend to do so you loose eventually each time so when you make up your mind that this time around you will make a big win,it quite explains that you can't afford to loose cause you have a lot workings to attain that .but in the other hand even if you make savings for your gambling each time and you loose as well it doesn't mean you can afford to loose...