The shift from being an independent adult to being dependent on others for physical or financial assistance.

The shift from being an independent adult to being dependent on others for physical or financial assistance is called 'dependency'.

Explanation:

Loss of job, temporary or permanent disability, bankruptcy, etc., factors can lead a person to become dependent on others for as long as they don't become capable again of taking care of their own expenses or body (in case of disability). Dependency is often looked at as a lacuna of the one who is dependent.

In most cases, the feeling of culpability that comes from dependency becomes the reason for stress and depression.