I think it's a terrible thing, and just as you said the best thing to do when you don't have coins is not to bet.
I do not like to apply for loans as I may lose them and it would be difficult to repay them. But sometimes I have already borrowed coins and, as they are reliable people, I received it without problems
But one advice I give is: Don't lend to other players on gambling sites! The chance of you being scamed is too big