Jane, I mean this kindly, but is it a feature of depression that the sufferer is unable to see any way out. People who try to help by offering advice become very frustrated because no matter what they offer it is always rebutted with reasons why it will not work. People soon switch off and stop listening. No progress can be made without professional medical help.
I speak from experience. My husband seemed always to have something to worry about and he appeared to be going round and round in mental circles, never getting anywhere as ifeper with every circuit. Professional help from a psychologist and some medication from a psychiatrist did help him to change the patterns. Like everyone else, he was at first resistant to the idea of seeing specialists but they did help him.
Once the thinking becomes more positive it is possible to tackle life's problems in healthy and productive ways.
I wish you all the best and urge you to seek out the kind of help that will make a difference.