Getting into a dark place in the Philippines

This is a bit of a topic not many people discuss but I just wanted to put a scenario together of things going wrong for a new arrival in the Philippines. Not out of negativity but simply these things do happen and the instance of being robbed of all his money was a real thing that happened to a tenant within a couple of hours. Why? Because he took all his money with him? Why because he refused advice and knew better than everyone else. Leaving the guy with some kind of breakdown blaming everyone but himself.