I don’t think any INFP would turn down the keys from someone who just drove a truckload of money to their front doorstep. We have an ideal of what our perfect world would be like. Bargaining stage is about eschewing those things the INFP doesn’t need instead of fully committing to the things they really want.
However, trying to achieve that ideal involves risk. Bargaining stage is about reaching contentment, not fulfillment.
The INFPs in the depression stage have had repeated bad outcomes which leads to learned helplessness.
Their experience has taught them that no matter what they’ve tried to achieve personal happiness, it never works out because of other people, the situation, the way the world is and other external factors beyond their control.
INFPs in denial know their desired Reward such as “I want to write books for a living” but can’t answer questions about the Rules such as “do you know how much an average Times bestselling author makes?
Bargaining stops when they INFPs re-evaluate their life.
Denial is wanting the Reward without knowing the Rules.
Denial is wishful dreaming while refusing to look at how those dreams manifest.
The denial stage can only exist if the INFP lives in a protected environment such as living at home or at college on their parent’s income.
I don’t know any INFPs who work two jobs to pay to college part time that are still in the denial phase.