Ready made comments. With good intention.
If you say you're bad, people change the subject.
Nobody will help you. And if it's about money, worse.

"You're looking great". I told to an ex-brother in law, after 15 years that we didn't see each other. Expecting reciprocity.
Apparently I look awful. He could have been kinder. He just looked and looked.

Meantime, he weighted more than 400 lbs. And I told him 'You're looking great!!!"
He could never stand up. Just lay in a super wide special chair.
He died at 59, two month later. We were the same age.
I may look awful, but I'm still alive and kicking at 68, and no end in site.