This is the reason why he's a prime lolcow. Phil will never learn from his mistakes and continue to 'try and make ends meat' streaming on Twitch, YouTube, or whatever platform comes out in the future. There is a reason why his nickname is 'pigroach'. He's literally a roach and will do anything to survive. It's exactly how he got into hundreds of thousands of credit card debt and then fought to get it dismissed. He's a scammer at the end of the day and will 'play the system' in order to get by. All he has to do is wait out a few more years before he can get credit cards again, and then he will just repeat the process again until he dies. He has no kids so inheritance of his debt won't matter at all. He has literally been freeloading on life for the past 20 years and will continue to do so until he dies. He will have literally spent millions of dollars throughout his life with nothing to show for it, but that doesn't matter to Phil. At a basic level, he just wants to survive and continue whatever weird recluse-like lifestyle he wants to live. Eventually, if he lives long enough to make it, he will have reached 'retirement' age and be able to draw on Social Security (if it's still around then) and live off that and streaming. He doesn't want to change and will continue streaming until the day he dies. He knows this and it eats him up inside every day.