What I consider problematic is not when gambling cause you financial problem
You are absolutely wrong. If gambling is causing someone a financial problem, it is as a result of gambling addiction or the person is getting addicted already.
I agree! Gambling becomes a problem not just when money is lost, but when it starts hurting your life, affecting your daily routine in other ways. If it affects your health, job, or even relationships, then it's already a serious issue, even if you haven't lost much money.
It's about the impact on your life, not just your wallet.
Financial problem is already the impact of gambling of the person's life.