Not to defend Spoony, but if you are a poor fag or working class type, having your only car be totaled in a car crash of any kind is pretty much a life ruining event.
If you are poor/working class, losing your car basically means your ability to move is pretty much destroyed. You are stuck walking on your feet, which can supremely limit where you can go, especially when it comes to work and basic needs like food/groceries. But especially the former, as you run the risk of losing your job if you lose the only means to get to it. Especially if it's one that's in another town and requires a commute of some kind.
Worse, the lose of a car is pretty much a death sentence unless you are super fucking rich. Even middle class types can get fucked if their car is totaled. Car repairs can cost in the thousands after a wreck, and sometimes it's just cheaper to buy a new one than repair one unless you are super rich and can afford to piss away money rebuilding a severely damaged car.
And buying a car is pretty much out of the reach for the bulk of the working class/poor and even some middle class types. New cars basically cost $20,000 minimum (basically the cost of a house) and require rather HUGE down payments before the dealership will even consider a payment plan. Worse, even a used car that is in moderate driving condition will cost you $3000 minimum from mom and pop used car lots. And even then, you'll be expected to put down a huge down payment ($1000-1500) and for a lot of working class (and even some middle class types), they don't fucking have that kind of money laying around for an emergency. Fuck, the average working class type doesn't even have $400 dollars available for an emergency.
A wrecked car, especially if it's your only vehicle and even worse if you don't have a network for family or friends who can give you rides or worse, so poor that it would take you half a year to scrap up the money for the down payment on the cheapest car on the lot of your nearest used car dealership if had a job and could still get to it, is a life ruiner. Especially since Spoony is a literal poor fag that doesn't even have a job and only makes $400 in Patreon money a month at this point.