I think the thing that bothers me about Josh dealing with debt is he clearly has never had any intention of dialing back his standard of living. Quite to the opposite, we've seen him taking trips to CA and other locations, booking campsites he doesn't even use, replacing a totaled car with a gas munching JGC just because he likes the status it provides.
If you are serious about dealing with debt, you cancel all the frivolous stuff first. You look at your household and decide what you can drop: things on the chopping block are cable, streaming services, ... FOUR different cell phone plans and purchasing GARBAGE tech to play with.
Seems to me that Josh wants others to deal with his problems for him and streaming is perfect for that as all he needs to do is whine to the abyss that he's so upset over bills and magically money starts falling into his hands.