I am writing this to help myself see things clearly and to help anyone else who suffers emotional abuse.
So it goes as usual...

Monday morning, Sister says Mom is in dire straits about running out of money. She says we all have to figure out a way to keep Mom from being put out on the street. (It's not entirely true)

Monday early evening, Mom puts Dad up to calling me and saying they need to speak to me. I say 'Is this about the money issue you've been discussing with my sister?'. Dad has no idea what I'm talking about. He says, 'actually Mom wants to talk to you'. I say 'Why didn't she call herself?'. He says 'She thinks you'd hang up on her'. I never hung up on her. Why would I hang up on her, especially after I called on Friday? So hurt that she is further insulting me, I defend myself and tell him I don't want to talk to her. But I call her a few hours later. I say 'Let's just act like nothing happened.'
She grumbles an OK.

True, they bring in less money than they lay out. True, they have been depleting their savings. They have been running out of money for a long time.

In all the conversations we have had about it, Mom insists on taking care of her problems by herself. There are steps they can take to improve their situation. She had insisted she does not want any money from her children.

Bringing it up was a rouse to deflect her bad behavior toward me!!!

If they were really going broke, why did she decide to spend a lot of money on gas and a lot of money in a bakery to over-take my Thanksgiving dinner?

Now she called me this morning as usual to gossip about a family member and act like nothing happened.

I MUST:
Keep a polite, interaction to a minimum.
Understand I will never get the love and respect I deserve.

If I decide to try to separate and never speak to her again, it will only cause me more pain.

Sadly, there is no good solution. Seeing it for what it is helps.