It depends your financial capacity on the effect of loan to your gambling experience. Some gamblers ask for short loan because they still waiting for their salary. In this case, they won't experience the scenario that you described because they have money to pay for it. They will just pay for additional cost on interest but nothing big changes than regular gambling using own money.
You will only be on disastrous state if you ask for loan without a way to pay it back aside from returning the money that you loan for repayment.
if the gambler has a salary that will be obtained to pay off the loan as you say, the loan made will not affect or put pressure on the gambler. it's because they'll stay calm and be able to pay off debts when they get their paycheck.
What's under pressure are gamblers who borrow for betting capital but they have no guarantee of paying it off other than luck if they win. As a result the gambler will force himself to be under pressure to win.
For someone who has a passive income stream or a good quality job, gambling with a loan may not be stressful for him. but if one does so then he can be considered as a gambling addict. And even if a gambling addict has a fixed job, he will never improve financially. because the gambler will lose all his earnings if he fails to predict correctly and loses the bet. So instead of gambling with loans, one should gamble according to one's means so that the bad effects do not overtake him.