Banks are investors and not gamblers. They are not gamblers because they don't invest and expect luck to interact with it or for luck to shine on the investment like gamblers would wish. Truth may be said that banks make use of customers money but that is not gambling, they are direct on their investment and have calculated risk and profit margin ( that's if their will be risk, very minimal and avoidable or they go through court processes).

So if bank is giving you loan, do you know they are investing their money in you inform of loan and taking a worthy collateral from you of which if you default from payment plan, they could benefit more than they should originally because of collateral forfeiture. Bank is a business venture and always declaring profit because they are carefully and take calculated risk.