According to this online credit card payment calculator,
if Yaniv's card(s) charges 18.9% and requires a minimum payment of 4%, he would owe a $700 minimum each month if his debt were $17,500.
It would take him 188 months to pay that off by making minimum monthly payments and, in the end, he would pay the credit card company $28,728 for whatever shit he'd bought 15 years before. You can
toy with other if/thens here.
Perhaps like Darksyde Phil, Yaniv makes many micropayments to support addictive hobbies. Phil's into wrasslin' pay-to-win mobile games. Maybe Yaniv's into cam girls or some such.
And maybe, like Phil, Yaniv early on formed the disastrous habit of using a credit card for routine purchases and rolling the debt forward. Yaniv's always brandished more than one cell phone, used to drive into the U.S. to go troon shopping at Torrid in Bellingham, threw down pageant fees like he was buying desserts, bought photo sessions and had a stack of his portraits printed on canvas, hired some asinine security company, etc. I've assumed that his security cameras and other tech junk were all freebies he scammed by being a "tech guru," but maybe he buys shit like that, too. Phil's gone so far as to pay his taxes with his credit cards. You don't have to be buying diamonds to rack up debt if you never pay your card off in full.
He's abandoned the scooter and walker and cane and got the old Toyota detailed to take Katie to the GRS Q&A session last September. She said he'd been turned down for disability benefits. But since he's lately been complaining about Uber not guaranteeing him a female driver, perhaps he prefers at times not to drive himself or be driven by mommy.
Concluding thought: He's a sped. That's not an insult, it's an actual life condition thanks to family genetics.
Speds do sped things.