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Trump is, was, and has always been, a conman. It's his bread and butter. It was critical to the facade of "highly successful businessman" that he put up that he appear ridiculously wealthy. Not just wealthy, but ultra wealthy. While he has always had hundreds of millions of dollars in cash, and owned many properties that when combined would total over a billion dollars in value, he has never at any point in his life had access to the kind of wealth that the likes of Elon Musk, Jeff Bezos, or Bill Gates have. Even worse for him, he's actually an incredibly bad businessman, nearly every venture Trump has directly been involved in (rather than just licensing his name for someone actually competent to use) has failed utterly.
In an effort to shore up his image Trump has for decades inflated the value of all his properties, and then used those inflated values to take out loans and mortgages that he then blows on bad business decisions. There's a very real chance that he might actually be telling the truth for the first time in his life and he can't actually scrape together the nearly $500 million even if he sold every piece of property he owns. He may have already over leveraged it all so badly that there's just not $100 million of value left to squeeze out of it.
Of course it's also possible he actually could come up with the money but doing so would require him to liquidate every property he owns and would also expose just how badly he has managed the wealth left to him by his father. Something he desperately wants to avoid lest it utterly shatter his "successful businessman" facade forever (not to mention legitimately bankrupt him for once in his life).
Either way it's about time a lifetime of fraud and lies caught up to him.