(((Cthomas)))
I wish that I could join you all on that drive through wonderland.
You aren't a loser. Try not to imagine the worst that could happen. You can think of possibilities, and think of possible plans to work through the stress if it does get worse.
Most communities do have lots of resources for those who are suffering. You may lose your house ~ but all counties do provide emergency assistance. The county resources aren't dreamy, but they aren't a life of hell either. It can be humbling to have to seek out assistance, but there are many people waiting to help those in need. You may want to look into your local resources now, to see if there are any programs available to you.
Best wishes!
Shez