This is what I think, what I really think and this is not about compassion or wanting you to feel better. It is not all your fault. You are not absolutely useless. Absolutely useless is this system we are in. Oh yeah, I know in your country (which was mine too, till I moved out a year ago) there are people (too many IMO) that think individuals make their own destiny and that, if something goes wrong, it is their entire fault. That is just an illusion. A young person like you should have more opportunities and, moreover, more possibilities (sometimes, opportunities are there but it is not possible for us to take advantage of them because of several reasons I will not mention here). Oh, no. What you are telling us here surely is related to individual issues, but it is also about social issues that are not under your control. I cannot accept that you judge yourself so hard when you have not created all the issues you have to face now. Some of things you are facing now have been caused for the older generations (like mine). We have contributed to the current status of things, where young people cannot have equal opportunities to access to health care, education, work and other necessary things for their development. You may have made wrong decisions in the past, maybe, but, believe me, it is not all your fault and your are not absolutely useless.
I see you are trying to solve at least one of the problems (housing) so you are taking one problem at a time and that is very good. Again, as an older person please I ask you, don't let the awfulness of this society to let you down and to make you feel it is all your fault.