Brian
You are right – we don’t reset to day one – we take all the experience and learning of our free time and build on it.
THis means looking at the things that allowed us to gamble – in your case the memorised credit card and making sure that can’t happen next time.
You could ring and cancel that by reporting it lost and simply cut up the new one as soon as it arrives. This way you have built a new barrier.
Keep going Brian – you deserve to spend your money on you and you deserve to be free of all the horrible emotions this brings.