His refusal or inability to learn
It's the latter. A normal animal, whether we're talking about a human being or an amoeba, inevitably encounters dangerous things and learns to avoid them. With humans, we generally don't worry ourselves too much with how it's "bullshit" that we can drown, burn, fall from great heights, get eaten by a predatory creature, etc., we just do our best to NOT have that happen to us.
Phil, whether from growing up far too spoiled or simply be genetically destined to function this way, doesn't have the ability to just learn to avoid hazards and not ponder it being "bullshit". Everything he doesn't want in life, commonplace or dangerous or no, is "bullshit" to him, it's not supposed to happen (to him anyway, everybody else can go fuck themselves), and his emotions fixate on that part without any room left for learning lessons.
This is why he doesn't hate who he is, even though it has cost him dearly. He simply never emotionally matured past the age of three, and therefore physically cannot focus on anything other than what's "not supposed to happen".
@NursezillaX Exactly the kind of thing I'm talking about. Phil doesn't give any consideration to what would make for a more appealing stream because that's not something he's supposed to have to do to make money, therefore the concept can fuck off. He's also supposed to be able to practically flex on his paypigs that he really does expect to get hundred of dollars (his tips goal proves this), so he insists on making such comments despite it being one of the things we can point to as proof of him being a sleazy piece of shit.
As much as the pigroach hates us documenting his shitty behavior, he's able to keep doing it in spite of that because that's how his life is supposed to go: he does what he wants, and if life punishes him, it was in the wrong, not him. Like a three year-old sees the world.