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There are much better ways to repay your loan than gambling. It is only a naive person that chooses to gamble. SBF needs good people around him that will tell him the truth and not just what he wants to hear. Wishing gambling shops can run some sort of assessment that would prevent those who owe money from gambling, this would save the individuals from doom.
There are better ways but I suspect he wanted to have money as soon as possible and was not willing to go through traditional processes in order to get money (aka working or leading FTX in a proper manner). Also, I suspect this is not about a bad friend around him telling him reckless stuff, but rather HE being the bad friend dragging all people around down the abyss and the exchange as well.