Casey (aka Snowflake) is an addict. He is addicted to thinking of himself as an entrepreneur, to the point that he ignores every single indicator that he is a failure at business.

Similar to a crackhead, he keeps going to the crack dealer (loan officer, banks, CashCall)… the only thing that will stop him is when the they cut him off (which they are doing) and/or when he ends up in prison.

There is a complete disconnect between him and reality. Getting a ticket for speeding and ending up in prison for fraud are about as alike as taking a walk and running a marathon.