The Chronic Gambler and The Congressman

Giving money to a chronic gambler in debt is not much different than giving money to a deficit spending Congressman. In both cases, you'll never see any return on your money. The gambler says "I need more time" to hit the jackpot to pay the borrower back. The Congressman uses the excuse he needs to spend more money to get the country out of debt. But unless both bad habits are broken the behavior continues.
You could get your money from the gambler if you can outlive the law of averages. Then again the gambler might think he is on a winning streak and continue gambling.
It's all about self-control. Which neither one has.