Whether you want to call it mental illness or insanity (I am neither a doctor nor a lawyer, do I don't have any preference for either term..), I cannot fathom h

Whether you want to call it mental illness or insanity (I am neither a doctor nor a lawyer, do I don't have any preference for either term..), I cannot fathom how the second possibility that you list does not qualify. People who are experiencing auditory hallucinations while fully awake and rested should seek professional help. The first possibility would not be so worrying if people were not attributing their own introspective thoughts to a flawless perfect benevolent supernatural being. Nobody should ever be that confident of their own ideas. I think the attribution of the introspective thought to a supernatural being (not the introspective thought itself) can reasonably be thought of as "crazy". I'm not saying it is in DSM, that there is some sort of recognized illness that it can be attributed to, but it certainly isn't rational thinking.