[GNC] Do I Have Use for Liability Acounts

[Griffin]

I am using Gnucash for my home accounts. I won't be trading for the foreseeable future as all my retirement money was stolen in a scam.

Do I need to use liability accounts for any of my home accounting accounts?

If I understand correctly, liabilities are usually, outside of trading purposes, just for companies to track long-term expenses. 

Do I not need to use them, or would I use them for contracted expenses, like rent, utilities, etc.

Or are they just overkill for home accounting.