This does not sound like a real gambling addiction, it sounds like a group of friends who enjoy the occasional small thrill and doing something together. Losing a few hundred dollars every now and then is fine, even if you personally find it morally unacceptable. A gambling problem is taking your entire paycheck to the casino, taking out a loan, selling a car… Borrowing $40 is so far from being problematic, sounds like a group of people who trusts each other to occasionally borrow and pay each other back, and for things other than gambling too. And seriously, all this over $40?
I don’t really get skiing, it’s a very expensive and dangerous activity to me, yet to others it’s a whole lifestyle. Fine by me, put knives on your feet and fall down a hill. Life is short, find your dumb thrills, it’s fine.
You don’t need to gamble yourself, that’s not the point, just maybe understand that you’re talking shit about “friends” behind their backs? Kind of a dick move where I am from.