The answer varies from person to person. Some people like over thinking their lives, and strive to make it better than what it is. While others are happy living as they are, not questioning their existence despite doing the same routine every day for years.

And others, just don't think it's worth it.

I don't think there is one answer to that question since everyone is different.

I'm assuming he's too young to open up another bank account.

https://www.paypal-community.com/t5/PayPal-Forward/Fast-Money-Use-MoneyGram-to-Add-and-Withdraw-Funds-from-a-PayPal/ba-p/781017

Maybe he can go that route.