Alot of gamblers go out to gamble often without really having a plan in mind if they eventually win. Many which we sometimes see as the responsible gambles have been lucky to have either paid off their debts, acquired a property or done something tangible with their win money. Many others which are sometimes referred to as irresponsible gamblers end up squandering the money even before they figure out what that money could do for them.

In addition to what OP has said, it will be ideal if gamblers can create a reserve for themselves from every win they make. My idea is, from every money they win, they send a certain percentage of their winning to that reserve. The money would be there till they are able to figure out something tangible they will do with the money. They do not neccessarily need to wait till they make a big win. This will require discipline for the gambler(s) to be able to achieve it. If done well, they will be glad they didn't use up everything on vacations and celebrations.