How do families survive this? How do you love someone who cannot see what you're doing for them and may never be able to?
I have a cautionary tale, and I agree with the others who have suggested it's time for the Bank of Dad to close.
For my now deceased BPD mother, this kind of spending was something she did for as long as I can remember. My father was the wage earner in the family. We could see he was stressed over finances as you are. Still, somehow he was able to save and plan for retirement.
After he passed away, assets went to my mother. She kept her finances secret from us kids but we knew they'd be sufficient for usual situations. However, she was spending them quickly and to the point of causing her financial damage.
We hoped to be able to reason with her, after all, the person this affected the most was herself. When we kids were not successful in getting her to understand budgeting, another relative tried but she didn't let him help her with management either.
The "not enough" seemed to be driven by emotional needs. Emotions are not rational. There's no difference between wants and needs when the need is emotional. While you may wish for your D to realize you give enough, this may not be possible. You will need to be the one to decide what "enough" is.
I understand the concern about the effect on the twins if you stop. However, as long as others supply money to your D- she won't experience the consequences of uncontrolled spending and she won't have an incentive to change her behavior if it is possible. The emotional needs may be unlimited but money in a bank account is. As long as someone is adding to it, your D won't see that limit.
Your son will also have to go along with this plan too. Understandably you wouldn't want to see them go to nothing all at once. If he's able to continue the housing and insurance for now, those are essential. The funds from you can be decreased and go to a regular payment instead of on request, with plans to decrease them over a period of time.
Consider that it may be better for your D to experience the consequences of her spending and possibly learn from that. It may take experiencing bankruptcy, being on social services like food stamps, Medicaid (in the US), and even having the children removed temporarily- to have that lesson.
You love your D, but you can also extend that love for yourself and put that money in savings for your needs.


