It's alarming when you cannot stop yourself from gambling.
Joe is at the convenience store about to purchase some scratch offs.
Joe wants to win the lottery.
Joe purchases only a few scratch off tickets, and wins $100.
Joe uses his entire paycheck to buy as many scratch off tickets as he can, winning $5 on one of them.
Joe is able to afford all his bills and uses the $100 to treat himself to a night out.
Joe is unable to afford his rent and utility payments, and must take out a loan.