Financial issues are the primary concerns; all the others will just follow because when you are losing a lot of money from gambling that you should not lose, all the symptoms will follow. Like you all mentioned, all gambling issues are related to finances. When your finances cannot keep up with your urge to gamble, irritability and mental instability will show up.
Financial issue is also the factor that leads people to gamble. Sure, it is like the fundamental factor in gambling. People also gamble excessively because of expecting to recover their financial problem. However, we must always remember that we should never try gambling with the amount of money that we can't afford to lose. Using unsafe money will lead people to gamble unrealistically. They will try to chase the wins and they often carelessly using the money of basic/urgent needs. Finally, this will never solve the problem, it just results in addiction and sever losses.
Honestly, I hate the gambler that have no strong mentality, indiscipline, careless, and emotional. This type of gamblers just worsen the reputation of gambling. People mostly blame the gambling only, they forget that the gamblers should take the responsibility as well.