I read posts like yours and I think of the turn of the old phrase "money can't buy you happiness" to which I say "but it sure does remove an awful lot of suffering".
Income inequality is, in my mind, the single largest contributor to all of this. If OP made as much as they should be making, and you did and I did and we all did then I think we wouldn't have this thread. OP would afford better help than they are getting, more would be available, and I think that we wouldn't incur so much moral injury from the positions that we are put in because they would just simply be better.
I definitely understand that life is never going to be easy, per se, but it doesn't have to be this hard.