Can't finish my quilts
I have not read this entire thread, but my first thought was depression. Please make an appointment and see what your doctor has to say.
Otherwise, get together with two or three close quilting friends and explain your resistance to finish and ask for their help. They can probably relate. They can visit you first and get you started, and then the group can move to the next person's UFOs and assist her in finishing. With friends to cheer each other or and offer encouragement, you will all be starting new projects with no UFSs in the basket.
Also, have you thought of doing the binding by machine. Attach it to the back side first, turn to the top and then use one of your decorative stitches on the top. I like to use the herringbone stitch for binding.
Good luck. If I lived nearby, I'd be your helpful friend.