I have been following this post, and explicitly because Bracken_joy called us all out on not helping on case studies I made a point to try and give advice to the poster of the $800,000 referenced below.
The facepunch pic in that thread was great, needed, and done for a purpose. Lhamo's post was not. IMO Facepunch is a term used to say the harsh truth in order to teach. Calling someone unbelievably stupid or insane isn't a facepunch, it is a personal attack that is itself insane or unbelievably stupid.
Worse, the criticism was off mark, and reflects that lhamo responded with an admitted lack of patience instead of an actual attempt to help. In two weeks time, this person has paid off massive CC debt, begun selling an investment property to pay off massive personal loans, and is wrapping his head around how to best get out of two terrible car loans. He is on fire, but in the grand breakdown of his debts, the cars and any cost he may have to spend to get out of those loans is best served addressing his 10%+ personal loan fire, not the car loan. Once again-this is in two weeks time.
I'll be the first to admit the gung ho blog/facebook/twitter etc. of that OP is extremely odd (I dunno, maybe he needs to social affirmation to keep going?) but he isn't Beatles, and his sig line explicitly states: Please don't mistake my ignorance for arrogance.
I think there is a fine line between facepunching someone along the path, and knocking them out. Indoctrination takes more than a day---blenders not included :)
Lastly, lhamo, I am not trying to pick an internet fight, you're almost exclusively super great and positive, I just think for this particular person's path that Super Saiyan facepunch was premature, but we can agree to disagree!