So sorry to hear this.
On a really practical note, you need to try to summon up the energy and strength to get the right treatment. There are a lot of things that could be sorted if you get the right help.
For a start, maybe look into the fear of driving. Can you get some refresher lessons? Not being able to drive for an hour is incredibly life-limiting. You really do need to overcome this maybe with something like CBT if you can access that. OR just working on the fear on your own by going out in the car and gradually building up the distances.
You aren't just expected to carry on - the way forward is to ask for help and keep asking until you get what is needed.
The prolapse- has anyone examined you and suggested surgery? There is no need to put up with it if you are suffering.
The HRT- to me, it sounds as if you might be far better on a sequential type where the progesterone is used only for half the cycle. LOADS of women come off HRT or feel it's not working because the continuous no-bleed sort causes low mood . I am mid-60s and still use the type with a monthly bleed which is a PITA of its own sometimes, but I get weeks in between where I feel good.
You might think about that AND it's not 'normal' to have light bleeds if you are using continuous HRT- that needs looking at. Either you are not yet post menopause and need taking off the continuous type OR there is something going on causing the bleeding that needs looking into.
Are you in the UK? Just looking at your posting times- middle of the night? :)
You might need to adjust your expectations of who can help you and where they are. For example, it might be a train journey to see someone good. Is that an option? (It takes me almost 2 hrs door to door to get to my gynae, by train.)
Try to take some control because you can find good drs- and don't focus on it being a female dr- some male gynaes are wonderful.