I lost a long time friend after she took me for a loan that I was uncomfortable giving, but I was told her heat would be turned off if the bill wasn’t paid. Then I see her on Facebook getting multiple tattoos and I felt played.
Yeah, been there - you only need that learning experience once, but that's what it is.
Some people plead poverty, and they may genuinely need money for rent or something genuine, but then they waste other money that they should set aside. That's why they are always pleading poverty - because they are stupid with money.
Lloyd is like that. It sounds like when it was raining money he spent it all. He doesn't know how to tighten his belt. Making YouTube videos that are mostly just commentary on other free videos really is a zero-cost endeavour, but he's managed to make it into something that somehow needs regular donations from hundreds of people (let's pretend it's not 100% grift / scam).
He's also incapable of building a sustainable business. The minute he stops producing videos, his patreons will evaporate. He knows this (surely?) and that's why he's trapped - no skills or expertise to do anything else, all he can do is as little as possible and keep wringing out donations with more desperate pleading and begging videos. He can't even be bothered showing up for his promised once-a-month live feed that he promises them, that's how much he values his supporters.