I could be wrong , but he make me think of a lot of JW ,especially the born in, with that 1980\90 mentality , that Armaguedon is coming,so you don't need to put money aside for your retirement, or have a will , life insurance or put money aside for the kids to go to college
Lloyd seems like the type who, if he has a sudden increase in income, will have a sudden increase in spending and "lifestyle" to match it, as though that income is going to continue ad-infinitum.
He doesn't seem like the sort to think long term or plan ahead, to treat it as a bonus that should be set aside.
Whatever success you might have as a "YouTuber" is fickle and down to the whims of the platform and the public. Times change, what was popular is suddenly old hat. It's not something you can rely on long term as a career as it isn't transferrable - you can't get another job on a different topic and assume you'll have the same success, and Patreon is suitable for a side-gig, not your main source of income, certainly not if you have a family to support and responsibilities.
But then the man-child always acts like he has none. From what I can tell, he'd rather buy himself some new lego toys than spend money on essentials for his family.