It's taken me about 25-30 years to heal from the TWI experience too.
But happily not that long to buy my house. I messed around for a decade, afraid to make any decisions of any kind. Finding this place helped me heal a lot. But nothing disappeared instantly. I bought my house with much trepidation in 2007. I made overpayments every year when I could. I think my 25 year mortgage ran originally till I was 74, but it has been repaid (YIPPEE) for several years now, thanks to very diligent efforts on my part. It was either pay off the house, or pay into a pension scheme, not enough for both.
I am entitled to get state pension (not a lot) but the thought of a mortgage as a pensioner was horrible. I have deferred claiming my pension because for every 9 weeks that I defer, I get a small uplift in the amount received. And, praise the Lord, he had a plan for me to get a pension anyway. I am getting married soon and my husband has a big pension and on his decease I will get half his amount, which, together with my state pension, will be more than I have ever earned in my life!
As WordWolf mentioned earlier, we have a variety of beliefs here. I'm in the "God is good" category. I go to a great church which is very involved with the community around it. I do not subscribe to the standard beliefs of my church (am still non-trini) and I would go elsewhere if I felt the church was "off" in its treatment of parishioners. Well, no, first I would have a "what's going on?" session with any leadership that seemed off, and would escalate that if necessary. The days of being beaten down by nasties like TWI leadership are long gone. But so far, nothing has raised any red flags, nor seems likely to.