Words are just a way of conveying meaning, and it's always possible to interpret someone's words as implying blame. A motivated listener can take the most impartial, detached observation and hear it as a blistering indictment.
If someone is told the words "I feel a lot of anxiety about our financial stability" it's completely possible for them to understand the "true meaning" as "You're a useless slob who can't hold a proper job and I hate you"
But this doesn't mean that words don't matter. We don't control the meaning we convey, but we do influence it. Choice of words and phrasing is a very powerful tool for that. There are other tools as well, of course. But getting the words right is the low hanging fruit for most people.
If someone is told the words "I feel a lot of anxiety about our financial stability" it's completely possible for them to understand the "true meaning" as "You're a useless slob who can't hold a proper job and I hate you"
But this doesn't mean that words don't matter. We don't control the meaning we convey, but we do influence it. Choice of words and phrasing is a very powerful tool for that. There are other tools as well, of course. But getting the words right is the low hanging fruit for most people.