Key very likely might be in that final 5. Honestly if Phillips can find a way to feel more comfortable playing the 4 at times it would make a 5 of JJJ, ZZ, Phillips, Key, and Santi possible.
Most of the "charging" calls in basketball--at any and every level--are wrong. Ninety percent of the time, a defender steps into the path
of the shooter after he's left the ground. The game would be better if they stopped calling charges--period.