No debt today, also means no debt tomorrow, and the week after that, and the year after that...but that logic doesn't fit with the delusion, and so it's not even seen...not accepted.

I would disagree with this from your own mentioned experience. You spoke of being debt free at some point and then also that you were unable to cover costs. If one has ongoing costs, that is potential future debt. Being truly debt free is being completely self-reliant for all needs, present and future. Not many can ever be in that position without living alone in a forest and being able to provide all requirements without outside assistance at any point.

Those in need tend to manipulate situations to serve their needs, despite the costs to others. This happens in relationships all of the time so people can get what they want, have their desires fulfilled and generally their path is to leverage others to do so, not invest themselves into the things they dislike. They want a specific future, but are unwilling to take the steps themselves to get there. The acts of a sociopath?