One can only imagine how hard it is for gamblers with debts to say stop and give up the fairy-tale world they have imagined for themselves and understand that they need to pay back money from a stable job. And that they will most likely have to do this for several years. Of course, this is a very difficult decision.
If a gambler is completely independent from gambling, then, of course, he works in order to provide for his family or plan some improvements, and not to replenish his bankroll.
When it becomes a habit, it's very difficult to stop, especially when your bankroll is empty. While the venue may not recommend playing, with all the consequences, that's the real trap if we rely too heavily on additional income from that source.
Perhaps it's better to research first, as you mentioned above, and once you feel comfortable, even if you lose, it won't become a constant source of stress. Yes, careful consideration is essential, as wrong decisions will undoubtedly impact you and your family.