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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.
However, the only problem is if we aren’t aware that this person is into gambling and just think of another excuse that would convince us to offer money or lend money for him. We are pushing him to his gambling addiction unconsciously. But if in the first place he’s known to be a gambler, why lend him money? That would only make him believe that it’s easy to sustain his gambling addiction since the people around him are even supportive of his wrong doing.