These cliches are just annoying to read at this point, everyone has heard this stuff a million times and yet...millions still suffer. If I'm being honest it just comes across as yet another form of bullying when socially well adjusted people say stuff like this to people worse off than them.

That approach doesn't work for everyone. Everything you say could be correct, but if the person thinks their feelings are not being listened to, there is a chance they still won't take your advice.

One of my therapists said it was normal in her circle for people not to get onto someone's case if they're mentally unwell and have chores piling up, because it makes sense they don't have as much effort to give to all aspects of life. At the time I didn't understand this statement, because up until then my only contacts were people who, although they didn't go as far as "bullying" me into compliance, had told me in effect that how I felt about my life was irrelevant to whether or not I was fulfilling every single one of my adult responsibilities. What ultimately worked for me wasn't those contacts who said there were no excuses, but my therapist who decided not to frame my decisions in terms of "excuses".

For me this kind of thing hurts because:

1. There's not any room for compassion or slack. I'm not talking about people who take advantage of others' goodwill. Even if you try to help with this "no excuses" mentality, the other person could start to worry if the next inadvertent slip-up or setback counts as an "excuse" they'll be looked down upon for. This kind of thought will linger and reduce the effectiveness of the intervention.

2. Your feelings aren't listened to, or if they are it's only at a level superficial enough to obtain compliance. This is bad enough on its own. What might not be obvious is if the person has had a life marked by repeated instances of their feelings being shut down or not listened to, especially in childhood, this approach only backfires that much harder. These are emotional patterns that have been established in critical periods/over a long period of time that are being relieved at a much higher intensity than the average population. And most importantly, you can't know for sure if something like this applies until you get to know the person better, which is why a lot of one-off prescriptive advice towards strangers is ineffective.

3. The advice-giver is often successful/came out of hardship themselves, so by being looked down upon as irresponsible it gives the impression that you're being excluded from the in-group of mentally well/recovered people. Avoiding exclusion from a group is one of the biggest sources of strife today, as modern politics and social media indicate. And being mentally stable is often one of the most important groups to be included in for people who know they're depressed, so it hurts even more.

Yeah I don’t disagree, but your approach comes off as uncaring and arrogant.