Certainly loans are a tool for us to be helped in financial terms, such as in the urgency of the need for household appliances and others I also agree that it is not a problem if it is still within his ability to earn money, and if it is about buying luxury goods or a glamorous lifestyle from borrowed money, I think they are too imposing themselves to be seen by others that they have luxury goods to show to others and that is not a good thing for others and even for yourself just because you want to be considered rich.
And yes the best way is to only buy what you need not what you want so as not to exceed your limits.
There is no tolerance for lenders to losing gamblers, whatever it is, because basically they just lend money and don't care what the borrower will do with the money as long as he can pay the loan again at the agreed time, I agree with you that it is better not to gamble than to have to use borrowed money to gamble, no matter how much we feel we will be lucky never do it because if you lose the consequences are very big indeed, and if you don't have money to gamble then it's better to keep quiet and hang out with your family.
We must treat loans as an emergency financial and takes a loans is only for something that we really needed so we are not difficult to repay the loan. If we wants to create a business and we don't have much money, we can take a loan but with calculation how we will pay the loan, especially if the loan is from the bank. But if that loan is for playing gambling, that will not recommended because we will be difficult to have the money as we can use all of the money we have to playing gambling. But we will difficult to wins in gambling so we can't pay the loan. We don't have to follow other people life style because we have different lives.
If you already losing the money in gambling, the next strategy you must have is stops playing gambling and leave the casino so you can calm down your mind after your lose. You must reduce the tension from your losing in gambling so you can control yourself better after take a deep breath. Losing your money is a hard and no one wants to have that experience but in gambling, that can happens many times if we are not realizes. So we must not force ourselves to playing gambling without a break and we must knows when we should not playing gambling.