It sounds to me that paranoid friend is a parasite and manipulates you.
The only way to protect yourself is ending this before that friend completely drains your energy and breaks you.

• Stop to apologize.
• Make clear that phone is for you to use as you like and in your cases of need, not someone elses.
• Switch off your phone if you sleep or want peace of mind
• Switch off the sound if at work, and if needed the notifications too. If needed block the phonenumber!
• Tell your friends, or whomever, not to call, but to text.
• Do not lie, or try to be kind, because you are too afraid to hurt those fake friends.
• Before you intend to borrow some money to someone, ask yourself if s/he would do the same for you. If the answer is no and you cannot miss the amount, don't borrow!

Never borrow if you do not have some saving for those rainy days.

Those around you are clearly selfish and shortsighted and no friends otherwise they would know you struggle and you will pay back.Dump them! You are too kind and with that behaviour you attract the parasites and backstabbers.

Friendship should come from both sides. If this is not the case, it is not a friendship, the relationship is abusive and it will harm you.

Delete those people out of your life (no need to feel pity, the parasite will find another host before you count to ten).

🍀❤️