1) Putting everything on 14 credit cards
2) Always having a handful of whales (3-5) who fund his $100K+ salary
3) Declaring bankruptcy at the start of Covid where everyone was overwhelmed and he lucked out in having the judge not give a shit
But to say he's slipped out isn't true as he will end up in another terrible situation which will actually bite him in the ass. He plans on declaring a 2nd bankruptcy when he can as well as getting more credit cards once he can. But he is a ticking time bomb as when he does have an actual medical emergency, I expect it to be serious and to be reoccurring due to how shit his health is. Also add in that his gacha addiction eats most of his free money.
Phil DOES NOT have any money as he spends it all immediately and is always behind. If 2 of his whales disappear without anyone to replace them, then he's more or less-fucked as hasn't show any ability to cut down on his spending. Getting new whales are something which I see as being harder to come by the longer he tries to stay out of the public eye as many detractor channels are why people know about him in the first place and his whale OIC learned about Phil from TIHYDP's. As much as Phil hates the attention, he needs it to attract more retards to give him cash