Far be it for me to correct mockery of Phil, but him quitting the interviews was less because it was too much work and more because he could only find three people to take him up on it. He really didn't have a choice.
He did say that it was too much work sending DMs that would be ignored at gin o'clock, and we know his DMs are usually essay length at the very least.
The gov doesnt care if you dont pay back a bunch of credit card companies. Its why personal bankrupcy is granted in 99% of cases where its filed. They are rubber stamping it. DSP didnt pull one over on ol' Nancy nor was it proof he was a hanest business man. He just showed up, said im a fat turd, and Nancy said sure, granted.
Has been rehashed a lot and he did lie, we all know his business expenses aren't $5k a month, and without that he's way over the income threshold to qualify for a bankruptcy, but like you said, only entities fucked in this case are the banks (fuck em) and Phil (fuck em). And of those 2, Phil is fucked longer, because he's got about 10 less banks he can get credit from ever again, while the banks just get to write that shit off and move on.
On top of that, IRS doesn't give a fuck about him because, if anything, dumb fuck pays them more than he owes by virtue of always doing payment plans with 8% interest and taking forever to pay that down.
With all that being said, IRS auditing him someday would be hilarious just for the sperging out on his end.
It baffles me how he's incapable of solving anything on his own...
But I guess that's normal when you've been handheld with almost anything for the last decade
His inability to google anything is just puzzling, with one search I was able to find a workaround and a solution... (I won't share it here cause of the flying monkeys)
I guess he stopped reading solutions cause "[lean in to read chat message with the solution] it's for windows 10 guys, it won't work on my windows 11 [assertive snort] [mic bump to show dominance over the paypiggies]"
My last retail job, within the last 10 years so in the smartphone age, I'd have people staring at their phone asking me questions, at a store that has an app that answers pretty much everything for them. Phil somehow has 3 computers in his face + a phone, and has no clue how to figure out anything.
Phil simultaneously has all the worst qualities of every generation... a Boomer with his humor, his bottom of the barrel race jokes (chicky chang wang sounds like something somebody's racist uncle would say), his inability to use technology and a Millenial/Gen-Z with his whiny bitchy attitude when he has the equivalent of a paper cut happen to him.