It just becomes the ol’ pyramid scheme new business is used to pay existing debt and eventually the cards collapse. Amazon has a ton to do with all this smaller outfits can’t keep up no matter what area of business. Use to be just brick and mortar now it’s smaller online outfits. Dude dug himself a big giant hole and couldn’t get out....not making excuses for the guy it’s just the reality of the situation. Second I read of trouble I canceled my order and filed a Paypal claim. Money was refunded. Sounds like this snowballed quickly and he’s under a pile of debt.