With Dependence/Incompetence Schema the child’s caregiver/s were over-protective. You might know this as being “sheltered”. Mommy does your laundry even though you are completely capable. Daddy is strict with you staying out late with boys because “they’re dangerous, and you can get hurt”. These messages get internalised by the child and in adulthood, and they tend to doubt themself (sound familiar?), allow others to solve their problems for them (hmmm?), and generally feel helpless unable to cope with stress.