Voltron,
It's not that he needs the help, it's that he's looking to take his game to the next level in a fun, somewhat over-the-top manner. Just living it up, who knows what might happen tomorrow? Sure, he'll have 300k in 30 years if he sticks it in the bank, but there's a lot of other ways to make 300k. And who knows, he might not be alive in 30 years. What good is that 300k then?
For people who still don't understand it, check out
Last Holiday on January 13.