Medical bills are insane. If my wife, pets, or parents were sick, I would do anything to make as much money as possible to help them. He doesn't have the chutzpah of a man trying to protect his loved ones. The fact that he's so hesitant to do things with the kinocasino that would make tons of money at the horrible expensive of looking a bit silly leads me to believe it's all fake. The real reason he doesn't want to do anything irl with the kasino, such as the polygraph or Hogan visit, is so they can't see his home life and the fact that his family is probably fine. Or he's a complete sociopath that is fine streaming for 6 dollars a day while his loved ones are literally dying and need financial support.