Phil's extra 3.000 dollar he got with his Twitch is not just already gone, he is also in the red. He needs the money now more than ever.
HOW CAN YOU SPEND OVER 3.000 DOLLARS IN A DAY!?
Oh on top of that, he will get another extra 3.000 dollars with his next Twitch payment, which has been conviently memory holed. And of course the 3.000 dollars is gone, because if people believe Phil is doing well, they are less likely to give him money.
So of course he fabricated a new emergency to get the money rolling again.