Seriously, if your having a hard time managing it, remove the credit card access, uninstall the app, step away from the computer, and find something more productive to do with your time.
The longer your afk, the more perspective you get about the whole thing and you start to see how easy it is to let yourself become manipulated by MA and the other players, for their benefit, not yours.
The less you have "invested" (time and money) the easier it is to see it for what it is and then you wonder how you ever spent so much time and money on it in the first place.
If your depo'ing to Hunt, Craft or Mine, your gambling.
If your depo'ing to buy an "income producing asset" in this game, your speculating.
If your depo'ing to buy a rare item that you think your going to sell for more then you bought because its going up in price, your speculating.
If your depo'ing to buy an expensive item to attempt to lower your cost of play so you can possibly break even, your speculating.
If your depo'ing to skill or buy skills because you think they might possibly make a difference and make you profitable or be able to sell them back at some point to recover your costs, your speculating.
Gambling and speculating are very high risk things to do with your money. High Risk means your most likely going to loose it.
If your an independently wealthy person, like a trust fund kid, with no responsibilities and more cash then you could possibly spend in your lifetime then gratz to you, what's the problem, have fun!
If your not a trust fund kid, but you have NO consumer debt, 6 months liquid cash emergency reserves in the bank, bills are paid, food is on the table, clothes on your back, insurance paid up, 401k fully funded, IRA fully funded, car is paid off, job/career/school is in good shape and on track, spent time with the family, and you can still afford a small percentage of your portfolios cash to speculate or gamble with in any of the above areas for fun, then go for it if that's what you want to do with your speculative bucket of money.
Otherwise you need to either gtfo, or start enjoying limiting your play to gathering professions (sweat/dung/rocks/fruit/oil) until you do have all that other stuff taken care of first.
Or, keep the kool-aid IV stuck in your arm and keep dumping your life into it and pray you hit the lotto jackpot, *cough* I mean ATH that's big enough to pull your ass out of the hole your digging and then pray you don't give it all back when and if you ever do.