That is what a sane person would do. That is what a "normal" person would do. Yet I think I have it. I think I can pull it off. It just doesn't make any sense at all but I really think I can do it. And I think I'm going to regret it if I indeed had what it took, but did not believe in myself to go through with it.
You're an adult and you can technically do whatever you want. But the problem is - do you own the consequences? I think the consequences of what you're doing are not going to be easy to swallow. You are throwing yourself into the arms of bankruptcy with the slight hope that you will prevail, which is really gambling as you correctly put it. The only rationale for this is that you probably are just in a big rush to make it, which is a very, very, very typical problem for traders (and other people in other ventures).
Pay back your loans before you blow your stack. Go research a remote prop trading firm. Save up some money and leave your job on a positive note (in other words put yourself into your work so you'll get good references). Then quit your job and find some freelance work you can do to keep you going. This can all happen in 12-18 months time. That's nothing. You being in this mad rush to make money will absolutely torpedo any chances you have, for the very unlikely probability of having made a successful run which will be under tremendous stress.
If you do as I suggest, you're giving yourself a fighting chance. If not, within a few weeks I guarantee you, you'll stop making these update posts as you'll be embarrassed for the decision you made and will inevitably see how you could have avoided it by not having made the poor business decision you seem ready to make right now. If it's thrills you're after, get into competitive sports. Don't do something that will leave a black mark on you professionally. Yeah you're in your twenties and all, but don't waste them by having to spend time to rebuild from damage you could have easily avoided by forcing yourself to be patient - something that is a sign of maturity and a hallmark of success.