Can you freeze the card you can't hand over? Just stick it in a container of water, freeze it and the next time you want to use it you have a deterrant that makes you wait and think about it before you can spend. (You need to use a container deep enough that it takes a while to melt it to get to the card). Or cut it up and forget you had it. I know that's hard but you need to be where you can't use the card at all.