While it is wise to look at the past as a reminder and to guide you in a different direction, you cannot look at what you did in the past as the hard and fast rule for the future. In the past you have paid down all of your debt that you’ve accumulated. Good. Do it again. You know that you can. Make the same mistake by going into debt again with excessive gambling? Don’t. If each one of us truely believes that we will simply make the same mistakes again than there would be no recovery. You have to make this your last time and believe that you can do it. If you keep in your heart that you will make the same mistake over again than you will. Open your heart and mind to the fact that you will succeed or you never will. You will once again have access to money whether you pay off these debts or not. You have to believe that you can change. As you have read on this site, it is possible. You may relapse, as it is part of recovery. You will get stronger and smarter and you will get better but only if you think you can.