If sending your phone out to be checked over/repaired isn't doable, you don't have a lot of options.
-- You can continue using your phone as is, taking into account that jammed SD card/slot as a given. Hopefully you don't need to change carriers nor add extra storage space. When you squirted things like water and WD-40 inside the slot opening, that is a bad practice. Moisture and solvent/lube doesn't mix well with electronics so keep an eye on your phone's overall performance.
-- As for the jammed slot/tray, it really shouldn't require a lot of effort to eject or insert the tray into the slot. Depending if you're comfortable tearing down a smartphone, you could try to opening your phone's back cover, disassembling it a bit, and see if you can access the SD card slot from an internal aspect. Not knowing if you have a 2021, a 2023, or a 2024 version of Moto G Play phone, you might find a matching guide for your model. As an example, the iFixit site has a helpful, step-by-step guide to remove the back cover of a 2021model:
Follow this guide to gain access to the motherboard in your 2021 Motorola Moto G Play.
www.ifixit.com
The card slot is under the removed motherboard so you might be able to manually free up the microSD card.
With the slot exposed, you might note that there are a row of metal contacts in just one side. On any microSD card, there's also a row of corresponding metal contacts. When the card is properly installed, the contacts on the card line up with the contacts in the slot. If you look at a microSD card, it has a unique shape with a bulge on only one side, so its metal contacts can only be oriented one way. The card tray has that exact same, matching shape to hold the card. So there's only one way for you to put a card into the slot, and card with slot are more or less flat. If you don't put the card into the tray properly, that creates a bulge and forcing the mismatched assembly into the slot is a resulting problem.