It's a matter of convenience, not necessity, to bank and insure through the same company, but this exposes you to a greater degree of risk, which only compounds with irresponsible behavior as a customer. End of story. He shouldn't have used his personal account. That's part of the reason individuals do things like set up LLCs, to shield individuals from liability in operations related to business, but maybe this guy can't be bothered to understand stupid business or legal logic behind such decisions.

This whole thing reeks of an appeal to pity and logical fallacy. His background is not especially relevant to report on the situation. His switch from Apple to Android fandom and why he made that switch are even less important. If anything, his purported history as a developer should have given him every single indication that what he was doing was subjectively wrong, according to Google. He ignored these signs and subscribed to his own styling of reality. Seems like a sensitive homebrew developer with an overinflated ego ($500k worth of time, my ass) got iced for his bad behavior. Natural selection in action.