I believe that you should not lend money to people who are addicted to gambling and alcohol, as you are not helping them, but supporting their addiction. In my opinion, it is much more productive to educate them about the harm of their addictions. Addiction is a kind of disease that can be very difficult to cope with, especially for people who have a psychological predisposition to it. If we help such people, we should only help them with full confidence that the money will not be used to support their addiction.