Microloans from MFIs without guarantors - think before you

I already wrote about this, I want to tell the whole story!
In short, somewhere around a year and a half ago I got acquainted with the casino, initially everything was going well, I played roughly 1 thousand a month, naturally I lost it, then I didn’t see any trouble in it, but after six months I was in the mud at 30k, then I decided that something needed to change, somehow get this money back, initially I won something, withdrew (didn’t spend) in the hope of winning something else! Well, one fine day, I lose everything, about 50k I think, of course, a complete disappointment, I didn’t know what to do at all, the next day my salary comes, I immediately deposit it, and a good idea at that time came to my mind to take a loan from an MFO and win back, having collected 100k in an MFO on the last spins I bet 500 and lo and behold a bonus of 200k falls, I think well, that’s it, I’ll finish with this, but it didn’t work out, I’m the smartest and luckiest, in 2 days this money is gone, then everything is as usual, I sold the car that I took on credit 500k + 250k took another for winning back, but it didn’t work out! Everything is drained
My further fate rolled me into the deepest hole, I started to play almost every day, I lost 150k a week taken from microfinance organizations, and every loss was paid for by my parents, they took out loans, now the sum of all loans exceeds 4 million, somehow we pay, it’s hard to pay back 60k a month to banks + my parents pay 30k, after the last putty I promised myself that I would not play anymore, I got a second job, now I am at work 24 hours a day, and I decided to take a day off because my legs can’t hold me up at all, I have no appetite for a week at all, well, in short, as you understand, on this day off I went to the casino again and lost a total of 250k, 50k earned and 200 from microfinance organizations
It's been 1.5 months since then, I don't want to play now, collectors are pestering me every 5 minutes, I don't eat or drink at all, I can't sleep either, in short, I'm completely depressed, I initially thought I'd hang myself, but I realized that it would only add to my problems, and leaving those I have in this way is not an option at all, I have no one to borrow from, I've been stuck in an MFO for 300 thousand, in short, I'm in complete ass, every day I curse the day when that smart thought about an MFO came to me, it's clear that there's no one to wait for help from, since everyone is also sitting in ass, well, as you already understood, I asked for help, only one helped! What am I getting at? Maybe people who have just started to get dirty will read this and understand what awaits them if they don’t stop right away. I was left with nothing at all. Every day when you work you understand what opportunities you have, but when you give it all away for loans and you still don’t have enough, it becomes very hard and you give up. But I try not to despair and I want to achieve only one thing: pay off everything and start life from scratch!
If you don't want to live and think what a finished person you are who doesn't appreciate what you have, then it's better to stop right away! For me, this is a lesson for life

I'll start by saying that I'm 25 years old, I work in a bank, as the head of a group for issuing loans (this is where the rather interesting irony of future debts, including microfinance organizations, lies).
By the way, the game, namely online Hold'em poker based on evolutions gaming or something like that (1 on 1 poker with a dealer), was shown to me by my friend, when one spring I saw how he entered with 3000 rubles and raised 8000, and then my eyes lit up with colors, but since I did not believe in all this and was afraid of all this, I did not risk playing on my own. In the summer, a couple of times we even agreed with him that I would give 10,000 rubles and in case of a win, everything would be split in half, but the attempts were futile and we all lost.
And so in the fall, we finally came to this with you , we reached our decision on the business, as well as on how to proceed. To start, we needed 500 thousand rubles. We decided to take it in my name, filled out an application first in the bank where we work, and then just in case I filled out one in the post office bank, since I had a good credit history there and I was sure of approval. First, they approved it in the post office bank, but mine was dragging out the answer, since there are bureaucratic moments. I decided that we would pay then from the post office bank, and when the loan comes in mine, we would close the loan in the post office and that's it, since as an employee, my interest rates are naturally small. We paid for business services and began to wait for the second loan to come, and along the way we joked, like now we'll pour in the whole five-hundredth, raise a million and that's cool, but for us it was all a joke until the loan came. And then my fall to the bottom began...
We really decided that we would take a risk and pour in 100 thousand. If we lose, then we will cover the first loan with the rest, and we will pay for this one in half. What do you think happened next?
We raised 350 thousand from 100 thousand and at a certain point we had 850 thousand rubles on hand. This means that you can close one loan and the second one by almost 75% percent, and the money has already been directed to the business!!! This is just space, ideal! But the logic of gamers is such that there is always "not enough". In 2 days we spent all 850 thousand and we had two loans that need to be paid, and this is with the presence of third-party loans for both me and my friend.
And I will remember that evening for a long time and most likely it is situations like these that increase Igromania in us, because the memory of victory is very deeply rooted in the head. From 50 thousand I first raised 200, and then, while my friend did not know, by 2 am I already had 550k. You cannot imagine how happy I was that we eliminated some problems in such a way that at least one loan will be closed and that's good. I sent him everything, in the morning he called in shock, we were happy and I went to withdraw all this, transfer, etc. By the way, here begins that segment of my game that has remained to this day, namely strategy for winning in poker. It consisted of the fact that with 200 thousand I made bets of 12k per bet and by folding and waiting for at least one normal bet, I skimmed off all the cream that was above 200. I managed to raise 12 at once - I withdrew 12, I managed to raise 3 - I withdrew 3. In the future, this strategy brought me a lot of money. But not then, and not always. Its main rule is to leave on time and not sit all day, because losing streaks happen often, and the tilt from them is colossal!
Then I lost this money, then took out more loans - I paid them off, took them out. Everything is like everyone else. At one point I lost my loan payments, confessed to my wife, she transferred the money to resolve the issue, but for her it was not something bad. She just told me not to play anymore and that was it. She had confidence in me, and in vain.
Until spring, everything followed a typical development of events - I was losing my salary, taking out loans - paying them off, and all I could think about was strategy and how I could become rich! We'll buy a new apartment, go to a nice place to relax, send the child to rehabilitation once again! But all of this was a mistake...
In March, I first took out a lot of loans, a total of 400 thousand, then I made another major mistake - I took out 500 thousand using my car as collateral, because it was not on a car loan. And I lost. Again.