I don't think the reality will set in until he's tried a little pignosis stunt on whatever official handles his case, and said official stares blankly at him for a second before asking him if he's taking them for an idiot. When was the last time Phil was faced with someone who didn't believe his BS, didn't pretend to, and couldn't be dismissed offhandedly with a lean-in, or simply closing the Kiwifarm tab ? My guess is that given his self-imposed isolation, it doesn't happen often, and he's getting used to it, being able to get away with his half-#ssed attempts at playing people.
I am legitimately of the opinion Phil thinks he'll get his bankruptcy approved, and that this will essentially solve all his money problems, give or take a few years of bad credit score. It's not that he isn't thinking about his future, it's that he thinks there's nothing to really worry about in it.