Dear GerryJam
So sorry you are having such a bad time. And sorry too that your debilitating illness has left you so run down and skint. I have a similar illness (maybe the same one, I guessed it might be) that just eats up whole months sometimes years of your life and managing it becomes a full-time job with little energy left for anything else. Watching your talents and opportunities slide away while other people follow up on theirs is very very tough.
But for me, faith really helps. Believing there's someone who cares about me when even I don;t is quite a blessing. And there are times when I just say: over to you, mate. You bear this load, I can't any more. And in my experience, that helps.
Most of the reasons people lose faith seem to be down to human behaviour, ime. Being maltreated by the abused freewill of others. But if we were without freewill, just happy little puppets, what sort of gift of a life would that be? Stepford wives. Incidentally I have very little time for organised religion because it is full of narcissists and bigots and predators. It seems to attract the worst sort. But quiet prayer in nature, lighting a candle, visiting an empty church, reading the psalms or the beatitudes and devotional poetry - that helps, I find.
Not clicked on the Stephen Fry link but I remember him ranting about worms in children's eyes and thinking, surely what's hideous is that we could heal those children easily but we'd prefer to spend the money on a frappucino. That's obscene. We have the free will and ability to end poverty, hunger, cruelty. We don't.
When did you last ask for help OP? Have you told the successful people around you that you are struggling and could do with some support? Do you have everything you are entitled to, from proper health care and financial aid, to voluntary and charitable support from places like Homestart. When you feel this low, it's hard to reach out for help, but I have started doing so and if you knock on enough doors, some good ones open.