To be fair, it's a bit of a meme with regard to DSP to say that it would've been more worthwhile if he'd spent his money on hookers and blow than on WWE Champions.
Taking off the detractor hat for a moment, I will note the one thing that most detractors will give Phil real credit for is not having kids, even if the reason is selfish on his part. (Regardless of whatever excuses he uses, it's pretty obvious that he just doesn't want the responsibility that would come with it.) Indeed, based on the reaction the one time there was somewhat serious speculation as to Phil actually having a kid (a sharp-eared restreamer thought he heard a baby crying in the background once — IIRC it was determined either to be a misheard game sound effect or to be one of Phil's neighbors' kids being heard through the condo walls), its clear to me that if Kat ever got pregnant, the mood around here would quickly take a turn for the worst.