Those that have ended up with a bad life due to their behavior towards gambling, it's their personal choice and didn't do good on it.
You have the simplest answer and whatever result they've got now is due to what they have done without thinking it all over again. rushing things up, will not give us the best result we always wanted, and mostly it comes up with the contrary to what we have expected. In other words, if they only knew how to stop themselves when they are losing every day, they could have saved themselves from becoming bankrupt but they've chosen to rush things up and they think they gonna get back what they have lost so quickly.
The decisions that they've made is what made them ended with that. And that's why for the responsible ones, they know how to deal with it and they still keep going on as a gambler.
Whilst, those that lacks of sense of responsibility as a gambler, they ended up badly.
Not every one of us is really smart enough that we don't have to experience big losses before we learn, some of us learned the hard way before they realized that gambling is not fun if they don't have the discipline.
Be a responsible gambler, why? because it's risky, we risk with our money and we might lose, but the real risk is if we lose more than we can afford, that would certainly shake our finances and might result to a bigger problem.