Gambler's high is a real thing. Realization only sets in after they realize they have no more money. Then they get more money and feel like everything is okay now, and start the cycle all over again. Phil's ego will never allow him to admit he has a problem or that he has made mistakes or that he is ever wrong.
I have said this a dozen times but if he ever loses 2-4 of his main whales he is going to be in big trouble. He is able to curb his addiction to a degree but he can never stop, and currently we are only able to to track a single game he is playing, should he be playing more than one game and spending on that one, he would very well be racking up debt again on gacha.
He is used to a lifestyle of gin, gacha, and doordash. Should his income drop even 15-20%, his lifestyle norms are in major jeopardy. It already seems like Kat barely cooks anymore, and I wouldn't be surprised if she spends money on certain games as well, though I doubt she drinks much if at all when compared to Phil. To allow your financial stability to be controlled by a handful of strangers you have never met and know nothing about is a wild way to live.
Also something to keep in mind is that he still makes $300 a month on Patreon for doing absolute jackshit and has freed up $400 a month from paying off his car recently.