You posting story and style reminds me of a person that use to post here.

I have Bipolar I with psychotic features.

I have been full blown psychotic a handful of times in my life. Yeah it sucks. I have always been lucky when it comes to IP services. No I am not a rich person by any means. I think the fact that I have a great Pdoc and T are a big help. I have learned my triggers and I am self aware enough to notice if I am declining into an episode and I am proactive in getting help before I have no choice but to go IP. I'm sure at some point it will sneak up on me and I will not catch it it will just be something I have to manage through. Life isnt always fair.