I hear ya - there is a point at which one does not care how far it goes down as long as you can keep making the payments on the line of credit.

Over my life I have had a number of "down" times - seems like nothing I do goes right. Even Churchill had his "dog days". However, the thing is you gotta try because if you don't try you don't do and if you don't do - you got to ask yourself, "Why am I here?" (That was my paraphrase of Jimmy Stewart's character Charlie Anderson on the movie Shenandoah). I also am reminded of these words of Theodore Roosevelt:

"It is not the critic who counts: not the man who points out how the strong man stumbles or where the doer of deeds could have done better. The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood, who strives valiantly, who errs and comes up short again and again, because there is no effort without error or shortcoming, but who knows the great enthusiasms, the great devotions, who spends himself for a worthy cause; who, at the best, knows, in the end, the triumph of high achievement, and who, at the worst, if he fails, at least he fails while daring greatly, so that his place shall never be with those cold and timid souls who knew neither victory nor defeat."

"Citizenship in a Republic,"
Speech at the Sorbonne, Paris, April 23, 1910