In fairness, it sounds like you have your head screwed on. I know of two recent(ish) qualified CPL(H) holders, both without jobs. One trained in America almost exclusively, and, rightly or wrongly, blames that for his lack of work, the other in Spain and the UK, and has no answer to why he cant find work apart from being just another sub 300hour, no I.R. and has less than 10 hours in a turbine on the logbook.
I also know a low hours CPL(A) that's scrabbling around for work, and not meeting his bills very well.
Maybe those individuals are exceptions or maybe they are the norm, who knows. I don't. It
does help me see your point though about your financial concerns for the future. It's to easy to say 'stuff that', just get on with it, but reality is reality. For at the end of it, it's your Credit Card that needs repaid, not those telling you to stop worrying and do it.
Good luck with whatever you choose. I doubt it'd be easy to walk away from it.