Speaking as someone who has had periods of great struggle over the past few years (eg leg injuries that knock out my ability to do anything for months, and sometimes financial too), I see this from the other side. Protectiveness of generous parents aside, this thread is incredibly depressing.
I have found most people are oblivious to those around them and what goes on in their lives. When you are desperate, you feel like you are screaming, and most people don’t notice. Finding the odd person who is empathic and willing to do an odd favour can make all the difference.
Being someone who always used to work hard and do volunteer work too, I have hated asking so much of people, and because my few local friends have borne the brunt, I have occasionally found myself asking random acquaintances (eg via a facebook post). These are the times when I just can’t work out what to do, especially through the haze of pain.
A random acquaintance offering a knee bandage and bringing it to my door with a bunch of books from the local ‘phonebox’ lending library, or another one who brought me some much-needed food (and homemade cookies) – just lovely. Things I really needed AND friendly faces to talk to for a few minutes.
Both of these people I knew from years of volunteer work, so they know me/know I’m not a complete CF. Also both retired and – being lovely people - looking for opportunities to keep busy and/or to help people. I don’t plan to ask them endless favours, but it is great knowing they’re there if I am desperate for bananas.
I have asked for money via social media before. Being on long term sick benefit, you have to be careful all the time, and you can just about make do, but you have nothing to go into a ‘just in case’ pot. Then the sick benefit can be pulled at any time as they plunge you into a review period, reducing your income to nothing. If you can then claim JSA, it is minimum £30 less per week (leaving a default on the mortgage). I asked for money because I was desperate, and I despised myself for doing it. I’d have been mortified to be referred to as a CF in a Mumsnet thread. You get that sorted after months of wrangling and a tribunal, then you find a tiny bit of work you can manage and then your knee rips too and you spend more than you’ve earned and more then you get on physio appts/equipment ...
By all means keep an eye on and make sure your DM isn’t being taken advantage of. But if someone is asking too much, it might not be because they are cruel, but rather desperate and they don’t feel they can ask the other people in their life.