Your money only is safe if you lock it, and don't use it for anything.
In contrast, if you spent your money for something even as an investment, you already took risk and there is probability of losing that fund, either small part of it, most of it or all of it. It depends on which thing you invested your money in, then possible probability and severity of loss can be different.
Amongst many activities, gambling is one of the most dangerous activities and when you already deposit your money to a casino account, ready to use it for bet, you must afford to lose that fund for risky bets. It's fact and you must bet responsibility, but before that manage your finance and gambling capital responsibly and properly too.
You have given a good narratives that should form the basis of thoughtful planning for anyone. Knowing that there is risk associated to everything is a good start and should therefore motivate anyone to first calculate what he can afford to risk in that business before going in. In gambling, one must calculate what he can afford to lose before getting started since gambling losses are 100%of anything put into it, high risk and high reward.
I think you have a good point of view about the calculations on what can afford to risk is crucial for any venture, essentially in high risk activities like gambling or business investment. And also understanding this part is also needed making informed decisions based on your financial situation risk tolerance, and goals. By mindful of this factors individuals can make more informed decisions and avoid financial difficulties.