Fully understand the inside hurt. We put masks on to protect ourselves, we can do this etc, give ourselves a little strength, there's only so much pain we can take before tipping over the edge.
I think the mlcer forces us to break NC by the very thing you are concerned about. Its a subconscious game.
From your list on the other thread, they don't think rationally at all and change their minds frequently. You have to sort the finances for you. Use NC for your benefit.
You are not a failure, this is unknown territory and you do the best you can.