If we are scared of loosing money to gambling, then we should stay put till when we have the full courage to use money for the purpose of gambling, this is how it should be, so that there won't be any regrets for gambling after we can't afford for it, also, it has to be known that one will often lose gambling than winning, there's nothing like being a professional gambler, the chances are the same, win or lose.
You are right, anyone that is scared to lose money in gambling should not gamble at all because the person is not yet prepared to enjoy playing. Gambling comes with both profit and lose, and anyone that wants to start gambling must make up their mind to enjoy the both outcomes but If they are not ready, they need to go and look for a sustainable source of income where they work to earn and not risk to lose.