What is the possibility of the betting agent getting his money soon/considering the gambler's low-income earnings?
Well a proper discussion regarding on settlement made should be discuss towards the betting agent since there's nothing they can do with this since your worker cannot pay in full since he is earning low only. This is a lesson that need to learn by your worker that never bet exceed on his earning capacity since he experience more worst than this.
Also never do any decision that you cannot take especially if its risky on his side this is a hard lesson need to face by your worker.
But if you want to be real, this is absolutely not the case. Tendencies are the gambler will be lending again another money by another or the same person. Then he will risk it to the betting agent. Here in my country this often happens. Until the gambler loses it all again now with bigger debt. And then weeks later, that gambler is nowhere to be found now. This is hard to believe actually, but this is truly happening. They say, that before even the dice roll in the game, they already know who will be the loser. And that is scary.