Sooo (prepared to get stoned) as a philza and a tubbo viewer, I don't think it actually matters if "this is just how phil is" or "he's not always in character". At least, at this point, in regards to Sunny.
I think some of the stuff, especially early on could have been waved off. I think it was fair that Phil couldn't really take care of a third egg when the prices were insanely high.
HOWEVER. SUNNY IS ALSO ALLOWED TO HAVE FEELINGS ABOUT THAT.
Phil has consistently been harsher on her than the other eggs teasing wise, and she's allowed to have feelings about that. He basically replied "lol that's true" when a literal child that relies on adults to not die said "I have no one".
Did he have to take care of her? No. Could he take care of her at that point? With the cookie prices? Hell no. But he didn't have to say that, and even if it was an ooc joke Sunny was allowed to have ic feelings about it because it was in the middle of a BIG LORE MOMENT.
Like. I really like Phil. I came to the QSMP following Phil.
But everyone is respectful of his lore moments, and I can only imagine it would kind of suck to have someone giggling and downplaying your lore moments.