Gambling becomes addictive for those who have plenty of money. A middle-class man only gambles in order to earn some extra income. If he becomes addicted and keeps on losing, then definitely a point will come when he won’t have enough funds to gamble further, and automatically his addiction will also get over. Yes, the points mentioned in the OP are good, but some gamblers will deny following them. Gambling addiction is seen only in rich people. For them, gambling is like winning. For them, the money doesn’t matter. I would suggest everyone gamble only within their limits.
Being an addict in gambling does not only affects a only a particular class, it can happen to anyone whether the rich, middle class or even poor people, the urge to bet more can occurs when the middle class keep losing and in a quest to recover there lose they end up finding it hard to quit when they've not been able to achieve their aim and I've seen cases where people run out of cash and borrow money to stake on games and recover what they lost so if gamblimg addiction only happen to rich people like you've said most poor or middle class people won't take loans to gamble when they run out of cash, some even go to the extent of wagering their valuable items or properties which is not considered a good idea and very risky.
However having access to more money could fast track the addiction of gambling, but doesn't mean it can only happen to the rich because of that cause there are other issues like depression, over confidence of winning, and sometimes even family background, because a child born in a society or family where they take gambling as a hobby might end up becoming an addicted gambler when he/she grow up.
There's no exemption when it comes to those people who would really be affected with gambling addiction on which it is true that even if you are rich or poor,there's always a tendency that you would really be able to
get addicted if you arent really that good on handling yourself when it comes to gambling then you should really be avoiding it on the first place but on the time that you do find yourself get addicted then
it would really be a huge problem but quitting wont really be that much of a problem if you are really that kind of person who do have that good self control and discipline towards self.
Gambling isnt bad as long you do know your limits and as long you do know that it is really just that for fun and you are spending on the amount which you can afford to lose.
It is really just that important that you should really be not going into your limits or border line when it comes to spending because this is where people usually fail on doing so.
