You can see here my gambling chart for jd https://steemit.com/gambling/@andu/over-a-year-and-a-half-of-gambling-here-are-my-stats.
Otherwise, aiming for the x999 on lucky bit is not pretty wise as the chance for hitting it is .00304% on dice is 0.1% for 990x, i would think of it more like a nice surprise but wouldn't aim for it specifically.
Oh the gambling of loans, I hate that so much, and after you have to pay from your pocket it gets even shittier since your money doesn't get you to do anything but to pay.
Gambling can be a problem for real and one that everyone should deal with quickly, gambling for fun as long as you can afford it it's fine, is when you go deeper and deeper when you should stop.