The point when it is affecting everything around you. Your family. Your financial capability for yourself and those who you are responsible with. Your savings is gone. You cannot even buy food that you like even for once a week.
All that points to the fact that we are being drowned in gambling and that means we have to do something about it. If it is quitting that is the best possible solution, then do it without looking back. It's not like those online casinos will suddenly close shop. They will always be there waiting so we don't have to rush over and deplete our money in a day or two.
You are right, in fact, when someone realizes that he is drowning in the game, the best solution may be to quit the game. And apart from thinking about gambling, one should think about his responsibilities and financial situation because once the savings are exhausted, it will create a financial deficit in living a normal life. However, in most people, the decision or awareness to quit by understanding one's responsibilities and limitations is very low. Most addicted people irresponsibly pour all their money into gambling without understanding their limitations, and some even take loans. In everything, one should make decisions based on one's limitations and capabilities, because everything can be lost with a slight mistake.