I'm perplexed as to how the looming threat of being unable to pay your bills is arousing. Is it the self loathing, the getting yelled at by your boss, or the suffering in financial deprivation? Would spending a night in a tent, and eating ramen heated on a campfire be exciting? I mean I'm sure you could get someone to throw unpaid bills at you, whilst yelling about what a loser and a bum you are, and going on about how you'll be be eating cold bologna sandwiches, and drinking generic pop by candle light for the forseeable future.
Actually, take the fapping out of the equation, (but leave in the pink tutu), and you might have a successful Youtube video there. Which could, ironically, potentially keep your lights on.