Is it to do with
* family & friends
The answer will no doubt come back as "All of them and none of them - it's to do with YOU" but what makes up YOU surely affects how you can recover. Looking at my situation, I don't see how I am going to be able to recover
* no property
* no access to other finance
* coming up to the big half-century
* pending bankruptcy
I have resigned myself to having to get a job but with very limited career prospects due to a thin, wide range of skills, I'm not looking forward to where that will end up.
I know I have a lot to offer but can't see where and how which leads me into very dark places.