Ronand
Hey! It could be worse!
A pal of mine spended £100,000, got his fATPL but he'll never get a job in aviation as he spent his entire time at the various schools arguing with his instructors.
At least you're 'only' out £45k.
I had to go back to my old job flogging cars when I qualified as there wasn't much hiring then. Guess what? In the showroom one day I met a pilot and he was instrumental in me getting a start.
Keep your chin up and wait for things to improve.
Don't give up.