he cant afford health/car insurance and is irresponsible with what he does own, which is now nothing.

by donating large sums of money, you're only perpetuating the problem at hand. if people just keep giving him money, why would he ever get a decent job and get his own insurance and act responsibly?

it sounds like chad lived out of his moms basement and spent all his allowance money on a neon with 0 coverage.