Really sorry to hear that, OP, you must be gutted.
Give it a year and try again if you're no better. Although LCWRA and PIP have completely different criteria, I find that if clients are unwell enough to get LCWRA they are usually unwell enough to get DLC for PIP, so I don't doubt that you're entitled to it.
And try and get help from a benefit adviser when you do the form, if they're anything like me they'll be doing loads of applications and know what works a nd what doesn't.
The system is utterly corrupt, so many people get turned down when they shouldn't and a lot give up at that point. The govt know that, it's just a numbers game to them, and a brutal one at that. And the process is so soul-destroying.
CAB or similar may be able to help with your debts, so it's worth trying to get an appointment when you're feeling a bit better. Some debt solutions can get debt written off, but criteria vary.
Please don't feel it's your fault, it really isn't, the process is stacked against applicants. 💐