Sometimes (and not only related to money) the dark things are not merely normal life happenings, but are just that: sharks.

Lives, like ships, that show warning signs of sinking, can get back onto an even keel, or sail into a safe harbour, or get repairs on a dry dock, or be decommissioned. But that's mostly possible only once the leaks, or the overload, are acknowledged for what they truly are. To use a different illustration: excessive drinking can bring a life down and has a high potential to tear other lives apart. The alcoholic is unlikely to improve things less they first name the darkness honestly as a serious problem that needs facing.

There is a great project I have been thinking about. Volunteering on a Swiss farm, helping out in the mountains, OP.

https://www.montagnards.ch/fr/benevoles.html