These lyrics appear to be describing a person who is struggling with depression, self-destructive behavior, and feelings of inadequacy. Taylor seems to be aware of her own flaws and problems, and expresses frustration with her inability to change or improve herself. She mentions that she “gets older, but just never wiser,” suggesting that she has not learned from her mistakes or gained insight into her own behavior.
The lyrics also suggest that the Taylor has a tendency to push people away and “ghost” them, perhaps as a result of her own negative thoughts and feelings. She expresses self-awareness of her own “prices and vices,” and acknowledges that she often ends up in a crisis as a result. She also describes feeling like a “monster on the hill,” separate and isolated from others, and mentions a sense of covert narcissism, which refers to a person who puts their own interests above others’ while disguising their true motivations as selflessness or altruism.
The lyrics also reference a dream in which Taylor is killed by her daughter-in-law for financial gain, and the family gathers to read their will and someone screams out “She’s laughing up at us from hell!” This could potentially be interpreted as a fear of being mistreated or disrespected by those close to her, or a fear of being remembered negatively after her death.
Overall, these lyrics seem to be conveying a sense of self-loathing, self-destructive behavior, and feelings of isolation and disconnection from others. The repeated refrain of “It’s me / Hi / I’m the problem, it’s me” emphasizes Taylor’s sense of responsibility for her own problems and difficulties.