You don't have to think about only the positive side or only the negative side of the work, but there can be both positive and negative aspects of the work, and which one is more likely to happen, then you need to take such a decision.
I always say that if we are in debt then we should pay off the loan first and once the loan is paid off then we should take that decision. I'm in debt but I lost money by gambling without paying the debt then no we couldn't pay our debt and we couldn't make money by gambling means then we both lose.
The chances of this coming true are very slim yet the gamblers think that they are going to hit it big in their next session and of course they are optimist when they go to the casino to play.We have a saying here for the gamblers as many of them are losers so we say a gambler is someone who enters the casino like a boss and exit from it like a street beggar.So yeah no sounded logical person would ever take a loan to gamble and to pay debt with that money.