Not just such a guy exists. The business model of these games almost totally rely on these people to be profitable. When you spend any time thinking about this at all it's totally unethical. It would be trivial for them to put a simple spend cap in. Sorry, no matter how into this game you are you can't spend more than $1,000 in a year, or $100 in a day. That would make them tonnes of money and prevent most people making life changing mistakes. But they don't do that because their entire business plan relies on getting hundreds of thousands out of these players.