Yeah it's a pretty tempting bet. Oregon hasn't started taking them yet.
Good question. If the season is adjusted before it starts, or delayed league-wide at any point, all bets would be cancelled (that was the case last year). And normally if a team doesn't complete a full season due to rain-outs I think that's just considered part of the luck.
But if it's 2, 3, even 4 games due to COVID cancellations not being made up? Right now there's no reason to think teams won't be forced to play them all. I guess the answer lies in how the Cardinals' bets were paid last year.
If the Phillies are the same level of good (or rather, OK) as they've been the last three years I think it's a very easy over bet and they win 82 even if they're not aggressive at the deadline. But if they struggle, or have major injuries, they become deadline sellers and fall short.
But that's why it's gambling.