That does suck pretty big man. But at least your genitals weren't slowly nibbled off in a freak squirrel attack.
Try to see the other side of the story, this is a chance you have to change everything and start a new life, maybe your happiness will start from now on. I think there's always a positive aspect also in the worst things we face, you just need to be patient and try to find it. At least this is a better attitude than keeping on blaming someone or something.
It can always be or get worse, keep that in mind uhmm maybe you could lend money from good friends or relatives? you will get out of this, just be positive
I also total-lossed my car once. It was a 15-year old car so it wasn't that difficult. But the car was still drivable. Got a couple hundred euro for it from the insurance.
