Yes, I absolutely agree to that, when a person is under extreme stress and exhaustion it can be difficult for them to stay in balance and at the same time I also believe that the problem one has because of which the stress is building up in that if you try to mess up further then it's more difficult. In his case, suppose if he has financial issues and then he is messing up with his customers, it also means that he is messing up with his flow of income which is creating more financial problems for him.
I am sorry to hear about your situation and trust me I can relate with it because at one point of time in my life I have been through this phase and I know how it impacts mentally and emotionally. There are times when you feel all doors are closed there is no way out but then there is always a faint light showing up from somewhere. I pray for you that your situation gets better and you get your strength back in all ways.
A tip, that has worked miraculously for me in my life, which I will like to share with you is manifesting.
Manifesting without any doubt in your mind and seeing yourself in a state where you desire to be, making it all feel real. It may take some time, but it will work. Also some affirmations that you should do regularly.