Didnt read all of that, but heres my thoughts.

I use a savings trick with my home loan that a friend gave me, and once I get to that point intend to do the same thing with my BR. Simply, save (or in this case win) twice what you want to withdraw. So if you want to withdraw $1k, then increase your BR by $2k and withdraw half of it. That leaves you with a bigger BR than you started with still. Want to withdraw $5k for debts? Then win $10k and withdraw half. Slightly different in your case since you're not planning, but the concept can still apply. Just takes some discipline. If you're living paycheck to paycheck and want some extra from poker, then rather than withdraw all your winnings at the end of each month, withdraw half of them.