IMO borrowing money just to gamble should be against to any person's values. I mean it's a borrowed money and you're in debt, why would you spend those in a 50-50 situation, it should put on a investment and maybe a life-threatening situation. It shouldn't be done, and people should realize that gambling isn't a sure hit, what if you've went to the loss side, then it's a big problem too for the lender right? borrowed money shouldn't be spent in gambling or any luxurious items that's not really helpful for your growth, it's an unwritten rule. It shouldn't be a problem if the borrower can really pay if he losses, like the agreement should be done on a specific date but if not, then it's a hassle.
People who borrow money for gambling barely have value. They don't understand what they are doing because, after one point, they lose the ability to think rationally or understand that their actions aren't good for themselves and those around them. A person with their senses in the right place would never borrow money and then use that money to gamble because you would know the possible outcomes before you venture into it.
So whether something is life-threatening or generally harmful, addicted gamblers barely care and they would go ahead and do it, and gambling with borrowed money is troublesome but they would still do it because they can't think like us normal people. They are different.