He really needs that money, he really does, he seriously doesn't want to drop the lifestyle he's been leading for years, sounds like he's gonna be spending a fortune on gacha, all that fast food he'll keep buying and other costly expenses that he doesn't need to spend as nearly as much on.
He needs to seek a financial advisor if he seriously thinks he's in hot water now. I know kat doesn't earn much but they both live in the same household and they have access to two wages essentially, if they both can't work out how to manage their own finances properly after a bankruptcy then they're both even more stupid than I first thought.
I can't imagine what he's going to feel like when the paypigs just exhaust their pockets and he realises he'll never be making the same sort of income again, REEMERGENCY once a fortnight.