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Micky, to liven up the debate, can I remind you of your opening line on this Thread? You chose a life without gambling.
Every thing we do, good and bad involves a choice. Once we make that initial choice, the consequences are beyond our control. Do you agree? Of course we never knew where gambling would lead us eventually but we do know now so today you chose not to gamble. So did I.
If I had money, I could have made a different choice and inflicted more hardship on myself. Wrong choices will always bring sad consequences. That does not say of course that every ill that befalls us is self inflicted. Just some!