almost have enough to pay my phone bill, just 10 bucks short.
Not sure where you live, but most companies accept a payment arrangement if you are going to be a few days late, and it won't affect your credit with them. And the interest fee they charge is usually only a few dollars - less than the transaction/gas fee.
Totally.
I also love these "legendary" accounts that most likely never actually got any merit in their life spam. Looks trustworthy, but isn't.
This user seems often short some small $ as here:
https://bitcointalk.org/index.php?topic=5475871.msg63238009#msg63238009Strange, but that's nothing new in this section.