ZeroContributions

Reading through the top half of your text wall, I have to argue:

You are not a bad person. You suffered from some poor decision making, yes, but it is also a significant learning experience. You're smarter, now. Hopefully your future will reflect that.

Honestly, I think we've ALL gambled with money that wasn't ours. You weren't able to recognize this behavior in time to check it or stop it.

But you have a conscience, and are remorseful, if I interpret your words correctly.

Thus, my argument stands: you are not a bad person.