Here's something I was thinking about that I don't think has been discussed to thoroughly. Subaru-Man says he kicked Katherine out of his house immediately upon seeing Katherine messaging Phil in front of him, around mid-July 2017, and had nothing more to do with her. So ostensibly she got kicked out of her rent-free house because of Phil. She showed up at Phil's place with a PC, 4K monitor, and 1 garbage bag of clothes and one of her first orders of business was to spend her meager tax refund on a PS4 Pro. She seemed to have made about as much money in 2017 as someone who worked a minimum wage job for about half the year based on the 2018 return she received. When she was getting kicked out of her post-Subaru-Man housing in mid-January 2017 Phil explained to everyone that this was "great news" because she hadn't wanted to move-in with Phil, and certainly in their nightly phone calls she would say she wasn't even thinking about moving in with Phil until Summer or Fall 2018 or even later.
Why didn't she want to move-in with her "Soulmate" that she was talking to for hours every single night for the last 8 months? We know Phil was willing to spend money on round-trip plane tickets during the holiday season, which also was during the original #SaveTheHouse back-taxes """crisis""", so my question is: how much money do you think Phil was sending Katherine in whatever hovel in Gaylord, Michigan she moved-in to?
Everything about this sounds like a catfish gone wrong, she was happy to stay wherever she was living (I believe with Phil sending her money) until her month-to-month lease on her hovel wasn't offered for renewal due to the place being renovated.