Risk is who makes the decisions as to what happens to the money. That’s their job, the casino doesn’t make these decisions, nor does the aff program of course.
They will likely be talking to the actual owner of the card and it’s likely the money goes back to that person.
Just because two people are married does not mean that their names and dealings are interchangeable.
This is one of many reasons why two or more accounts from the same household are usually not allowed at all.