20k is nothing
My dad’s ex employer (he was a chef 20 yrs ago at some restaurant), well the owner got hooked on gambling
She owed 100k and ended up selling her restaurant just to pay the loan sharks (it was a casino run by some local Tong guys) down Chinatown
And the saddest part is, the restaurant had 3 floors above to reside in/ which was supposed to go to her son (he was only a teen at time so was under her name)
(entire property was left behind by her late husband) for the son
So not only did she Fuk her future but his too
Also, she sold for 100k or so, had she kept hold of it it’s now worth over a million