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For example, a gambler wants to pay for both his medical bills and his rent. Obviously, the two bills are critical, and this will undoubtedly cause internal conflict for the gambler, making it difficult for him to decide. In some cases, the gambler will end up solving none and losing the money he has saved by attempting to place a bet that will cover both bills, and because gambling is never a guaranteed solution, it will end up multiplying the problem by leaving the gambler in financial ruin.
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Actually, if you think logically, they can decide which of the two to prioritize, because a few days later they can pay it off even though it's a little late.
But as you said, they actually have another option which is they will go to a gambling place in the hope that they can double their money and be able to pay off both. Instead of that they can get, they can't pay both because they lost in gambling.