There is also a crossover between both cases you mentioned here which I see in some people close to me (and possibly I have succumbed to it too in the past) in struggling with the inability to change the flawed macro environment we all exist in. The person doesn't necessarily fall into any of the instability categories you mention and have otherwise covered their physical needs well. Typically these are people who expected more from the world and society than was reasonable. When this mental model breaks down the only way out of it is for them to update their model by choosing to ignore, or more accurately not care so much about non-immediate reality.