The bank leaks showed that Phil spent money on Champions before his mortgage, and begged hard to try recovering that "lost income" at least twice. Note that we still don't see the majority of his gacha spending, that would require Paypal leaks.
It would? Well, then I guess that tells me what Phil was worried about when he couldn't bring himself to call the bank leaks 100% fabricated nonsense, like he should've.
Anyway, Phil memory-holes any and all money regardless of the source because it makes it easier to not explain where so much of it goes if, in his narrative, there isn't very much to go anywhere. He may discourage superchats (until recently at least) but one should never take that as a sign that he doesn't want them ever. He always did, he just wanted to make sure to frame them as "eventual money" so people would forget.
He did pretty much the same thing with the two checks per month he got from Twitch until they got tired of his shit. He wanted people to sub, but he didn't want anyone thinking about how much money that turned into per month. So he emphasized tips, and always will regardless of his situation, because it's easier to memory-hole the rest of his money if people are only thinking about tips.
At least until they do basic math, using the numbers his overlay provides. But obviously he can just ban that, and his mind that makes the problem go away.
Why does he think he is beating Dread? What is stopping him from 100% it like every other Nintendie title? The game outright tells you "Hey this is the final boss fight way up top so fuck around before that".
Edit: Since when has he ever beat a game this quick? I mean the game is short but he's on stream 4 of it, and since he's a dogshit stalling streamer, it would take him a lot longer than 12 hours(estimated average to beat). How is he already so confident he's concluding it?
I don't watch the pigroach, so I just assumed he was going off of his experience and/or whatever the chat told him about how much he has left. I don't keep track of how many hours he sinks into games, either, and especially wouldn't with Metroid Dread because he ducked it and surely now wants it over with as quick as possible. However long he stalls in other games won't dictate what he does with Dread, I expect.
I mean this isn't like Divinity 2, which he also ducked forever, and then just dropped because it was a way longer game and no amount of hand-holding was going to get him safely through it.