It's time to move away from Paypal and use a credit card when buying online. Fraud protection with credit cards is much stronger. Paypal has proven itself bad for consumers again and again.
I Will Teach You to Be Rich
Book by Ramit Sethi, is a good place to start. He has lots of great free content on YouTube you can check that out first and decide if you wanna give the book a try.
It is as relevant as people's experience and certifications.
Societies laws are not particularly difficult to follow even if you disagree with them, if someone I work has chosen not to follow those laws to a degree that they have been imprisoned by a jury of their peer's I think it is as relevant as their previous roles + educational attainment.
A is for America, so not likely, They might have their own unions, but i suspect this could be an opportunity of a lifetime for foreign english speaking content creators (actors/production companies).
The job market is going to suck in tech for the next year, maybe less but the market is flooded with qualified people right now and that will take time to settle.
I would do what you can to kill a year, sign up for post-doc work, spend a year teaching, go travel etc.