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A large contingent of Phil’s audience are disabled, mentally or otherwise, or suffering from arrested development just like he is and have no idea...

All of his true and honest fans are ♿. And most of them still live with mommy and daddy, and don't work. They don't understand money.

His grift is that he's on the verge of being completly destitute so absolutely anything he spends money on that isn't food/water/shelter related...