F&B is tough--so is NYC. You have to be gritty to survive in that field, so he must have some natural, built-in toughness. A plus, as long as uses those powers for good...
Sounds as though you feel that paying one more month is what you can live with. I have to say, some of the best advice I've received here, at my FA meetings, and from some of the best books on addiction is "Do what you can live with." And I've found that can change over time. I can live with a whole lot more toughness--and a whole lot less anxiety--than I ever thought possible.