Catherine,
You are not stupid.....ha......far from it!! Way, way, way far from it!
The choices in front of you are not easy. No one should have to make the choices you must consider. But your life and quality of life depend upon your choices and subsequent compliance.
I hurt for you. I wish I could alleviate your burden in some way. Please know that I support you in all the ways that I can. I embrace you and your spirit from afar.