1. There are no jobs in his sector. This is Phil's go-to excuse. Phil's degree is in finance so you would assume he's talking about the financial sector. The only job Phil has ever had in the finance sector was the few months he spent as a loan clerk at Wells Fargo almost 20 years ago. At his most illustrious job, the job at the helicopter factory, his title was "customer service representative". That's the same job title you get if you work the drive-thru window at McDonalds.
2. He hasn't had a real job in over a decade. There is no job Phil could get that isn't entry level and unskilled. He has no relevant experience for any job. He can't even use streaming for 14 years as experience since he doesn't keep up with technology others in the field use everyday. He can't use the current version of Windows, he doesn't know how to use a stream deck, he doesn't know how to use video editing software.
3. Any job Phil could get would be less money than he currently makes. Seattle's minimum wage is almost $16 an hour. If Phil makes more than $640 a week, he's doing better than he could do with any job he could realistically get.
4. Phil cannot physically do anything. He cannot lift more than a gallon of milk, less than 10 lbs. Phil would be unable to be on his feet for an 8 hour shift. Phil gets overheated when it's 70 degrees and freezes in 60 degrees.
5. Phil has had very limited human contact for the last decade and a half. It would be very hard for him to work with other people