To be sincere with you, it is not exactly foolish to expect things to work out the way we envisioned it in our minds, but rather, it becomes foolish if we do not have a backup plan, that is, a plan B, something to fall back on just incase things at the end of the day didn't go the way we planned it.
People do take loans for various reasons, and purposes, some still gamble from the money borrowed, and not all of them that do that end up in the gutters, some still get lucky and win just as they had hoped, but then, others still lose their bet as well as the money, if they have a back up plan, the loss is usually not a big deal, but if they don't, that is where the problem lies.