I found some new lore about Spence

[Dan]

So you know how Spence asks you for $2000 in the late game, and if you don't give him the money he dies? While the game doesn't tell you why he dies,I found some info about Spence. I used the terminal to see his buizbook pro profile. and it first says that he's a tech god(He's probably so egotistic he hacked buizbook pro to make it say that) But more importantly, it said that he has a drug addiction, and he also is abusive. I'm not sure why, but it says he doesn't like others to know his last name. I have 2 theories to why he dies if you don't give him the money. Theory one is that he needs money to buy the drugs mentioned above, otherwise he might die from withdrawl. My second theory is based on the abusive part. Maybe his abusive actions have been discovered, and he knows he will be in court someday, so he asks you for money, so he could attempt to bribe the judge, otherwise he would be sentenced to an execution(Although, with this theory, it makes theory 1 irrelevant, since he says he got into big trouble(In the email after you save him) I think that the trouble was his abuse being discovered.) Feel free to discuss my theories in the comments.

[Tiny Rick]

I think it's simpler. He just bought drugs and didn't pay for them.
Then he is killed because the lack of payment. His abuses can be justified by drug abuse too. He is abusive because he is addicted.
We can make a case that their withdraw can cause their death, but death from withdraw, although proven, is not that common.
I would go with dead by debit with drug dealer