If you want to know how much money you need to have drowned before gambling becomes the issue then you should also ask how much money do you need to win before you know that gambling is also the problem.

If you know that before you make any gamble that there are chances that you either win or lose then you will not need to know how much you need to lose or win before you call it a day. Gambling will not be your major problem if only you can gamble responsibly.