This guy is the definition of Peter Pan syndrome, jfc.
He's not...too severe, sort of...? At least in that regard... He can at least live in his own home without setting himself on fire. He understands concepts like paying bills, earning money, and so on. He's willing to do so. He's aware that he
needs a job. He obviously doesn't want a job, but I don't think it's from an abject fear of doing so.
I always see Cosmo as intentionally self-destructive. It's an endless cycle where he wants to use misery to justify his failure, and so he'll induce failure in order to continue his misery. People don't watch him anymore! ...Because he went out of his way to insult his audience. The community hates him now! ...Because he actively tried destroying and backstabbing the community he was a part of. He doesn't have any money! ...Because he refuses to get a job and spends it on drugs, hormones, and video games. He reads nothing but mean and awful comments online! ...Because he literally searches out these specific things and responds directly to them while negatively reacting to any positive responses. All these things seem like some cruel hand dealt by fate which was completely outside of his control--at face value. But a cursory look reveals that everything wrong with Cosmo's life is his own fault, but the last thing he would ever want is to admit that.
Why does Cosmo act so civil when he's responding to us or obvious trolls, yet is downright cruel and antagonizing to people who try to support him? Because he
wants a constant stream of self-induced "misfortune" that he can blame everything on. As long as it's everyone else's fault that he's an unlikeable, hated, unemployable failure, then it can't possible be his own. The idea of accepting responsibility for his own actions (or more specifically, his own shortcomings) is absolutely terrifying to him. The pity bucks from Patreon and donations from people dumb enough to fall for his "woe-is-me" act doesn't help, either.
I'm going to predict that when he attempts to reboot his "career" as a competitive Smash Ultimate player, one of two things will happen. Both involve him failing, of course. Possibility 1 is that he fails and blames it on the "problems" he already has, like a negative reception, poor funds, or a depressed attitude. Possibility 2 is that he fails and blames it on the game or the community, saying that the mechanics of the game aren't appealing to him or that he feels alienated in the community somehow. I say this because both possibilities are effectively the same thing Cosmo always does--fail because of his own lack of intentionality, and then blame it on everything and anything but himself.