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.
You got both definitions all wrong based on my own view of what you can afford to lose and what you can't afford to lose.
You can still be working and earning a good salary and yet wager with an amount that you can't afford to lose. Imagine earning up to $1000 monthly and placing bets on a daily basis, which could amount to the amount you earn from your salary. How do you explain to such a gambler that he is in range of what he can afford to lose or not?
What you can afford to lose is in the range of what the gambler is keeping and wagering within his bankroll, which can be classified as betting with what he can afford to lose. For example, using 0.5% to 10% of your monthly earnings can still keep someone within that range of what you can afford to lose.