Indeed, each would have paid above-average interest rates by obtaining a peer-to-peer loan or credit card cash advance, as well as incurred possible tax penalties through 401(k) withdrawals.

FORBES: Move up http://i.forbesimg.com t Move down

After all, they suggest, a 401(k) loan is better than a cash advance from a credit card that's charging 21% interest, and the interest payments are funneled right back into the 401(k).

FORBES: Ball And Chain Borrowing

They include a complete ban on wagering on college and amateur sports, a ban on Internet gambling and a ban on credit-card cash-advance machines in gambling parlours.

ECONOMIST: Gambling on the future