He's a drunk. Doesn't matter what his particular poison is, it's how he lives his life.
He's always broke. He has to borrow money to finance his nights out on the town. He tells the people he borrows from that he'll get them back sometime in the future.
He spends money he doesn't have on shit he doesn't need. And then tells his kids that he can't afford to send them to a good school or a good doctor because times are tough.
He's been known to get drunk and attack people who haven't done anything to him. Invariably, this gets him in fights that he can't win....
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