You're absolutely right Niko, and I willingly or rather inadvertently accepted these godawful conditions in hindsight for the sake of gaining a sense of independence. However, it has been difficult to bend my nature of hospitality and generosity, much to my dismay financially and mentally. If anything when this whole scenario pans out, it will serve as a lesson hard learned. It just pains me to blur the lines between precaution and and selfishness.
It's not selfish to keep what you earned when you understand giving it away can't possibly be appreciated by anyone.
The whole "teach a man to fish" thing is true. Not only do they only eat for a day when you give them a fish but they expect another fish the next day and the next day and the next day then they get mad at you if you don't give them one the next day rather than appreciate all the times you did give them one... which is why when you cut your friend off, he will get pissed off at you.
It's not just your friend or his girlfriend. It's everyone. It's one of those universal truths that would be nice if they weren't true but they are and you have to deal with them.
The only way to get out of that scenario is to not ever loan them money in the first place.