(Though that’s easier for me to say I have no family and am more or less suicidally depressed. But the alternative is business as usual until the next even more desperate situation)

This is an incredibly honest disclaimer and it genuinely makes me sad. Your position is sensible for your situation.

Are you seeing a psychiatrist or therapist? Are you able to? If not in person, there should be some really good options to do so remotely and without breaking the bank.

I deal with depression and anxiety too. It can be overwhelming sometimes, and when the world's gone to shit, it doesn't take much for it to all collapse. I've been there personally. And I can tell you, cliche as it is, it does get better. You don't even notice it. One day you'll look at something that reminds you of the dark time period, and you'll be amazed at how you feel now vs how you felt then.

Life sucks, but we don't have to suffer. We can help each other out.