I think the parent's question may be insensitive, but not inappropriate. The core problem OP seems to be facing is a mismatch between their incoming and outgoin

I think the parent's question may be insensitive, but not inappropriate. The core problem OP seems to be facing is a mismatch between their incoming and outgoing cash flows. If we take it as given that they cannot work, e.g. that their incoming flows are fixed, then I think it's a natural step to examine ways to decrease their outgoing flows. Of course, that oversimplifies the problem somewhat, since any changes could worsen the situation overall, e.g. decreased mental health. Sitting in a bare room paid for by someone else and watching the wallpaper peel away has very little out of pocket cost, after all. The counterargument is that homelessness and loss of medication would probably be far worse -- for example, it could be wiser to sell the car and live an ascetic lifestyle for 16-24 months until the disability appeals are processed, at which point the OP could return to an equilibrium. Stretching out the runway, so to speak. Forming any actionable advice in this vein is impossible without a better understanding of the OP's costs, however.