Basically, you're just saying that there are just two way around when a gambler borrows money and that's true.
And it's normal to think on how much you're going to repay because you've taken a loan. That's pretty much the typical thing to think of because you're obliged to do it.
But at the end of it, you'll get to see how it will impact you as a gambler because it's not a good way to start anything related to gambling if you will use borrowed money.
That's for sure. The fact that you borrow money to gamble already makes you irresponsible. Maybe some people consider taking the journey, and they would borrow money to raise a decent bankroll. However, the moment they lose the money, most of the borrowers will have bigger problems. It's impossible to repay the loan when there are no funds coming from gambling.
So if you promise a lender that you'll be able to pay because you will win in gambling, that's not realistic, as most of the time, we experience losses in gambling.
Just think of this: When a person borrows money for personal wants or needs, that's called bad debt. But when a person borrows money to start a business that will generate income, that's considered a good debt.