Lack of money, and a broken heater brings him to your bed.

— From city damages, bro's broke and homeless, you invite him over to your house and let him crash in the guest room until he gets a job. Miggy's room, the heater's broken! Ohhh, no. (Not really.) So, what now? He comes to sleep with you, of course..

(Normal AU, he quit his job or idk being spiderman, a long time ago)