Hello,
I want to express my empathy, as I find myself in a similar situation. It’s difficult to be creative and improve when you don’t have enough to eat or the mind is occupied with bills, and being alone often leaves no real escape.
I also didn’t attend university due to financial and health reasons, and I still carry that weight with me. I have problems going to work because of my autism. During a chaotic period in my life several years ago, I incurred significant debts, and I hope you haven't had to experience something similar.
I agree that some things cannot be bought with money. But they are needed not to think of them. I just wanted to say hello and remind you that you are not alone. We are still here, and that's something positive.
I hope your problems won’t weigh you down too much, and I wish you find peace in your life.