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The story sucks to be honest. First of all because of the percentage you mention, but is there that much difference between $5,000 and $27,000? If he had said that $5,000 got him $500,000, it would seem to me to be a considerable difference.
And besides, it was the only way he could get that $22,000 difference? I don't know, maybe taking a loan to invest in his company would have made more sense.
I think when you keep gambling using borrowed money it's like committing suicide because there is no guarantee you can get a profit from gambling, it's better if you still need money to gamble, then you work and look for money and as much money as possible you use it for gambling. Gambling is not based on debt or the like because when you lose you will lose and be depressed.
That’s the reality about gambling, it takes a lot of money to lose first before you see yourself winning from it. So it’s still more on losses actually, except for those who are really lucky that at a single bet, they end up winning the jackpot instantly, but that’s very rare to happen. Most especially when you gamble from a loan money, that will put yourself in an even worst situation. Not only you will lose and become depressed, but others tend to end their lives through suicidal because they can’t bear the situation anymore.