I don’t see a critic, I see someone trying to help.
At some point you need to choose agency and be your own parent. It takes a horrific amount of work and you need to choose agency like every fucking nanosecond which is exhausting but it’s already exhausting and horrific being depressed and screaming at yourself to stop staring at your phone and do something, anything, please, so you might as well get up and do five push-ups so you can say you moved your life 1% forward that day.
A defeatist mindset only leads to weaponizing ones incompetence, which is cancerous.
What do you use as a PayPal replacement?