Would late car payments worry most guys?

Would bother me. 3 months and a repo man could be there any day. Being successful is a source of pride for most men, hes probably embarrassed. If you want to help, but cant financially, just be there, talk about other things. Dont be bringing the situation up all the time. He knows whats going on and whats going to happen.

This is not a guy situation it more of a (Get my priorities in order situation) I understand you are worried about your friend the best you can do is help him out financially, but don't expect the money back if he has bad spending habits. Hope everything works out for you and your friend.

The car may soon vanish on the back of a tow truck.

Yes it is a worry some situation, credit ratings are very hard to fix.