Beneficiary: one who receives or is designated to receive a benefit, profit or advantage
Benefactor: one who confers or bestows a benefit upon another
Someone who frequently gets confused can be described as being absent-minded or scatterbrained. They may struggle with maintaining focus or retaining information, leading to moments of confusion or disorientation.
A person who easily gets offended and retaliates can be described as having a "short fuse" or being "vindictive."
Sucker
You can call that person resilient, strong, or a survivor.
zinky
mercenary
coal miner
A person who has taken out a loan gets the benefits of financial assistance while building credit. This person is called a borrower.
A person who tortures and gets enjoyment out of it is called a sadist.
sensitive, drama queen
You would say he is accident-prone
You can tell them to take a chill pill then leave.