I'm calling fakery on this, he used a payment method he knew would decline as a way to appear tight on cash. I'd like to point out that when he was asked in this about exercise equipment (meaning a machine as opposed to a kettlebell or something) he only voiced his concern about the room he doesn't have to fit anything inside; he did not, even once, mention the cost of say, a rowing machine. Am I supposed to believe that someone with supposed overdraft issues would say they're not picking up a piece of exercise equipment because they take up too much room and NOT say they can't afford a gym membership (which he went on to mention as something he'd love to have, without addressing cost) or $200+ piece of equipment for the home?
I've been in those really tight situations financially. Your first thought about anything is the cost, not fantasizing about whether it would fit in your laundry room or Kat dungeon.
100 percent Dave-grade BS.