Even if all of those are huge factors that make someone to move towards addiction, most likely the very first mistake they commit are the false expectations they have out of gambling.
Gambling is a game of chance and is at best a type of entertainment. But the false image of gambling inside the brain of many common people is that it can be used to make loads of money. This is similar to stereotypes and hence needs to be broken and the reality put in front of these people.
However it is tough to stop such people when they addicted over time even if they might actually realize that they are having losses more than they win, it is too late.
They will deposit more and more and lose more, eventually ending up in debt and putting their entire family at risk. But this can be prevented very early.
The issue of gamblers starts the moment they believe they can make money from it. It may still be limited in risk in that sense if the gambler is wise to have approached it carefully, but the moment the gambler allows desperation towards the earning of money through gambling, then the main issue starts. This is why you would see gamblers losing and do not know it is the right time to quit or take a break for fresh breath to be taken. Gambling should never be done in desperation, this will only bring in emotion, and when the gambler is emotional, anything could happen. This can now be aggravated depending on the kind of mind the gambler has. If the gambler is such that has a weak mind, then anything can happen. I've seen a gambler who needed to bet just $25 in the whole gambling session but ended up wasting $1115.
This is simply because such a gambler allows emotion to rule him. He must have thought that his luck was in the next game, but before he knew it, more losses were just piling, and his eyes must have cleared when he had lost that huge amount of money with either no more money to wager anymore or a friend/concerned people near to him cautioned him before he got his mind back. This is how gambling could be so devastating if we are not careful.
This is more reason why we should be disciplined as gamblers, as it's what can help us preserve our sanity towards it. We should have those calculations, budget and management, and also have viable plans that we should never deviate from no matter the situation on the betting floor.