This sounds like contradictions to me, but I'm sure it makes sense to you. You sound like you believe Jesus could fix everything, but He's not in your life. Then you say you prayed, but it hasn't helped. Then you say maybe nothing exists, but you seem to believe debt, illness and aggravation exist. Maybe I just misunderstand, because you haven't told us everything yet.
I'm curious how you prayed, and do you believe Jesus could fix everything? If you do, why did you choose not to let Him try?
I won't fight any battle with you, since life seems to be doing that already.
Please let me know if you think any of this is preaching, because my intention is not to, but I'd hate to think we have a different definition (maybe you could give us your definition). I really think just talking about such problems as you posted and knowing someone cares enough to listen helps at least a little.