DocPsychosis

Just like marijuana would depend on how much you're carrying.

your body stops forming of long term memory when something this traumatic happens

I think the amnesia is mostly related to being on powerful sedatives which block the formation of new memories along with other elements of consciousness.

"I want something of value that costs a lot of money to create but I'm not willing to pay anything for it."

encompasses people with poor hygiene or risky habits or overly anxious and on and on

This is an illegitimate and unfair gloss over a wide, heterogeneous range of concerns. As far as hygiene goes - only showering once a week is not the same as living in filth (caked in feces and urine) and developing horrific bedsores because of psychosis, depression, or catatonia. And as far as "risky habits" goes - I have likewise seen patients refuse food for days or weeks because of depression or paranoia (not suicidality), bang their heads at the command of auditory hallucinations, or remove eyes or jump head-first onto concrete floors for similarly nonsensical (but nonsuicidal) reasons. Your attempts to minimize risk and suffering, particularly in front of an audience who don't know better, are gravely concerning.

because most of the time, mentally ill people refuse treatment due to severe adverse side effects

I have personally treated literally thousands of patients and this is almost never the reason they provide for refusing medications or anything else.