I am sorry for where you stand and I hope you can get to better times soon.
That said, I am really sorry but what you describe is NOT the world. It is the United States of America.
In Europe we’re having a hard time, but we have a lot in place that would have prevented for the most damaging things you listed to happen, for example you wouldn’t have had to take a second job to afford any medical bills, and you would have had more time to spend with your wife.
Contract laws would have prevented your house price increase in the EU.
Sorry if I could sound insensitive to you, but it’s about time that Americans understand that their personal problems are a societal-level issue. And that AMERICA /= the world.
You are not more of a loser than the other guy because of what you’re going through, and you shouldn’t be forced to power through or “soldier through” (see, it’s in the language even) to be ok. There should be a proper societal network ready to help you and to make sure that you can keep contributing to society.