If you have an idea for a possible productive opportunity which you think you can make a reality then taking a small loan may be justified unfortunately most of the loans in the forum are for gambling and stuff like that.
There are people who taking out long term loans for business purposes. This is an example of a good purposes that a borrower do.
But for gambling purposes which the output is not that clear then that is really a shit if people will borrow just for that even for a small amount.
Those kind of borrowing money would be very useful and wise thing to do because you use it for business purposes and you could able to gain profit with it. Borrowing money for the sake of gambling then as you said its really a shit thing to do and you make yourself put into a big problem in the future,