Shit life syndrome (SLS)

Shit life syndrome (SLS) is a phrase used by physicians in the United Kingdom and the United States for the effect that a variety of poverty or abuse-induced disorders can have on patients.

(Wikipedia)

Alice: "I can't do that, you know... Because of money-experience circle..."
Bob: "The term you look for is probably Shit life syndrome (SLS), no? Take a peek..."
Alice: "Hm, I see... That fits. Shit life syndrome (SLS) can explain it ALL! Thanks; TIL!"
Bob: "Gladly."