He will have worked with some accountants and lawyers to move money into untouchable places. There will be someone employed to hold it for him, and dole it out in the future. Sure he will have to keep a low profile, but there will be resources.

He will probably have dispersed quite some sums to friends and family, some of that will come back to him in one way or another.

Finally, he will be able to go on the celebrity speaking circuit for quite a while...

SBF personally owns a 7.6% stake in Robinhood worth ~$700m at the current price.

Several million dollars is a lot of money - but not sizable compared to $16B.

If he siphoned off even 1% ($160M+)- you can bet he's going to lose it in bankruptcy proceedings.