One thing that does vary is whether "it's not harming me" works out. Booze in particular has massive social consequences, drunk people harm non-drinkers not just themselves. I've never worried that degenerate gamblers leaving a slot machine parlour at 2am will attack me - but outside the bars that's definitely possible which is why they're required to hire security and have police contact
People with big gambling problems do cause massive social consequences. I know of lost family homes and separation that has massive impacts on the kids. Embezzlement occurred at the accounting firm I use due to an accountant's addiction to gambling.
Some gamblers will inevitably run out of money and resort to crime.
Maybe, surely mostly white collar crime though because of the numbers involved?
Nobody trusts junkies with $100 so it makes sense that shoplifting or burglary can get them the money they need, but a lot of people who have a gambling problem are six figures down, stealing a neighbour's PS5 is a drop in the bucket.
Oh the PS5 isn't to repay the debt. It's to bet so the big winnings can repay the debt.