In terms of opportunity, there may be no difference, because using any money, luck is the main factor. However, it seems that we are not talking about opportunities here, but we are talking about the impact that will be caused and this can lead to an uncontrollable self.
What you said is a different story in my opinion, because it means they still have money at home but they are not near the money. Well, in the case we are talking about here, my assumption is that when the person no longer has any money at all to use and they are looking for other options to be able to continue gambling, namely borrowing money.
Actually, it's not just borrowing, because when they run out of money because gambling is also included in the category that is very close to addiction.
Even at bakasabo's perspective, wouldn't it cause some misunderstanding if the gambler losses more than he kept at home? It's better to stop once the money at hand is exhausted, than inconveniencing a friend to lend out money, that would certainly be lost.
Yes of course, as hyudien said that here we are talking about the impact of money that should not be used for gambling or the impact of forcing something that should have been stopped such as borrowing money when someone has spent the portion for their gambling session at that time, and if we talk about an object that is used to bet like money then it is clear that wherever you get the money there is still no difference, because for the problem of the results it depends on how lucky you are at that time.
But of course what should be the focus here is the impact of the action, in the sense of the impact when forcing something that should have been completed at that time regardless of the results, stopping at the right time as you suggest is a mandatory ability for a gambler, especially when they have run out of money, because when you have tried to use loans as an alternative to finance your gambling activities when you run out of money, usually the idea actually leads a gambler to the problem of being in debt.