True, and honestly I do not understand the mindset of gamblers who force themselves to take loans just to realize their desire to gamble, and one thing I will say is that they are gamblers who come based on a misunderstanding of gambling so that they do not hesitate at all to take loans just to gamble which is actually rationally the worst decision because after all it is the same as you taking two risks at the same time, first you have to pay the loan and second when you lose it will cause significant disappointment and annoyance.
On the other hand, as you said, many gamblers who destroy their lives become even worse after they use the idea of borrowing to realize their desire to gamble and that is indeed true, in the end, in most cases the pressure of the problem of being in debt often makes gamblers take crazy decisions like ending their lives.
Some people has seen enough in life though I don't think that's enough reason to start a drastic decision. If one is taking loan for business and other means of investment I might partially agree to it but you see the aspect of gambling, that's where I think most people cross the line. It's very not a good idea, most of the time people that engage in such hardly recover from it, they borrow money from different people to gamble and when it becomes difficult to pay back, they go into hidden.
I know about one of my friend, not too close as a friend but we do talk, he called me one time and I was shocked when I saw his call. He confide in me how he is going to pay back loans because he has been receiving threatening message from the companies some are even calling his relatives as he agreed the company have access to his contacts. I asked him how much he borrowed and bro told me it's not from one company, it was different companies and now he can't pay back after he has used everything for gambling. I was speechless and couldn't even help him.