I agree with you and want to add one more thing when taking a loan in which funds are not ready (I mean will not come from any source) is something like committing suicide. To avoid this type of commitment we should avoid taking loans and use the funds to gamble. However, it may change fate (which percentage is too low).
Good luck in gambling can pay off the loan but the number of such lucky ones is very few. However, it is not acceptable to commit suicide after taking a loan and betting on gambling. However, one should never take a loan if there is no backup to pay the loan because in this case, not being able to pay the loan increases mental tension and because of this mental stress, people commit unexpected events like suicide.