I don't think we need to be paying out more credits just because people are being stupid with them and have none left. It's fake gambling, if I blew $50k at the casino I doubt they are going to hand me out some more money just because I went broke. I have a fair ammount of credits and in fact I just lost about 70k or so of them on a couple bets this week but I'm not dumb enough to go all in on something like some people here do then are left out to dry with nothing when they lose.
A loan system sounds interesting but you'd have to set it up somehow so it charges interest on the loaned ammount so people don't abuse it. I think its been a fun feature but I don't think those who are dumb with their credits should be given some special exceptions while those who have been smart with them are in a sense somewhat penalized for being smart with them by giving these people multiple chances to get back up in the credits with them.