Closing those accounts won't solve the issue, but it'll take away a method of self-harm. Behavior modification is the only way. Your mental challenge is something you will successfully manage, and your finance, too. Not knowiing the terms of your bank accounts (are there annual fees -- sure, close the accounts AFTER they are paid in full and request that the accounts be marked as 'Account closed at consumer's request'. Keep the longest/oldest fee-free card open.

Budget. Sell your stuff. Cancel all of your subscriptions. Get a roommate or 3. Automate the bill payments so you aren't late again and make at least the minimum (but pay more with the money you make from selling your stuff to the highest interest rate. Read the wiki on managing money. Chime or other programs don't do magic. You can do the work without Chime. They are not a bank, but a 'financial technology company'. While they advertise no fees -- how do they make money? You can do this on your own.

Edit -- changed my description of mental situation to something more accurate. Most 'mental illness' isn't an illness. Largely, it is a way of coping or thinking/behaving different that has been labeled by some people to differentiate 'us' from 'them'. When in fact, we are all 'thems'.