Problem with gambling is people that can't control it, and waste a lot of money that they need. If you play some bits and you stop when you lose it isn't a problem. If you lose all and start thinking about taking a loan to play more and recover from loses you have a big problem.
yup! a very big problem in returning the money you loan, and if the person is very addictive to gambling even if he has money to pay for a loan he still will gamble for it to increase it's value, instead of investing it to make money, the way he think is it is easy to gain money through gambling.