90K would change my life, just not that much.
11 K changed my life for a year or so. Years ago 16K did change my life (not gambling, an inheritance that let me buy a home).
I would truly hate to see the OP not make good use of the money because it's tied up in a payment schedule.
Now of course the timeframe does not compare, but when I won more than could be paid in two months at Club Gold (5K at that time), they bumped me up a bit in VIP level, processed (but not paid) my withdrawal so it was not reversible.
If they process the withdrawal request and make payments on time, it is what you signed up for. I know most of us when we see withdrawal limitations think "Hey, that will never happen to me" or "Geez, I'd be estactic to get 10K a month for the next year".
It was merely a month from start to finish, but there was incredible anxiety involved with the whole process, and not just relying on the casino to do the right thing, but to rely on me to do the right thing.
I am proud to say I did the right thing, at least that time. I had a specific goal for 10K, and it was hard enough to stick to it with thousands in my bank until all of it was, and that was only over a month.
If Videoslots does not process your payment so you can't reverse it, close your account with them. You might not get paid faster, but you won't give it back at least.
Club Gold actually offered to close my account (and that was with funds non-reversible). I didn't choose to, and they actually came under a little fire for being overly nanny with me, but I saw it as caring. I deposited from my regular budget during that time, and over the past year and a half they have some back, lol.
Treat your winners like winners when they win, they will probably continue to be loyal. But don't just give lip service to responsible gambling, make that huge win processed and non-reversible, even if payments are over time.