Not just PhD... We're on year 5 of my wife's MS. A large part of the issues I gave is that she's the professional, I'm the (overly credentialed) hobbyist. We couldn't support ourselves in her school's hometown, do she can't even knock on the door and say "hey."
We're in limbo.
Just going to put it here that writing up is part of a PhD.
PhD students are not paid for 3 years lab work and then around as unpaid labour until they submit their thesis.
I understand the constraints of grant funding but institutions need to step in to stop these practices