This is a weird suggestion. Just wait till they fire you? What’s this about? Maybe take medical leave for few weeks and look for a job aggressively or at the very least get doctor note for few days. What’s good about just calling sick and waiting to be fired?

I don’t think you can get business loan without solid business plan. Banks won’t give large loans easily. Do you have a plan? What happened with a personal loan you took? Did you pay it back?

I’d ask financial advisor what’s best, career counselor, your psychiatrist? Your therapist seems to have weird ideas. What does your husband say? Besides weird “best of luck” like it doesn’t even concern him.