Your soul is pressed down with debt, and I feel for you in this heavy trial. But I must tell you, there is a debt far weightier than all you owe to earthly creditors. You are "a drowned debtor" to the loving kindness of God. He adopted you into His family, He made you an heir of God, joint-heir with Jesus Christ, and what have you rendered to Him? The very breath in your lungs is His loan. When you lie awake fretting over shillings and pounds, you prove your need of healing, indeed, the healing that comes only from the Great Physician.
You say you have done everything in your power. That is well, but have you done everything in your prayer? Have you confessed that the terrible investment was perhaps born of a greedy grasping after quick gain, an offense against the God who says, "Seek first the kingdom"? Until you see that your greater crisis is not the purses of men but the mercy of God, you will only plaster over the wound. The Lord may leave you in this strait to teach you that "none can keep alive his own soul." You need the Holy Spirit to make you groan after more of God, not merely more of bread.
Yet I would not drive you to despair. The very Friend you need is one who is the Friend of publicans and sinners. He came not to call the righteous, but the ruined. He came to heal those that had need of healing, real, urgent, undoubted need. And you, in this dark hour, have that need. Cry like the blind man, "Jesus, Son of David, have mercy on me!" Do not wait for a better frame of prayer; the poor blind man needed no book. Christ delights to show Himself strong on behalf of those whose hope is in Him, not in their own ability to untie the knot.
This may be your hour of crisis, the moment when the Lord means to decide your case for good. If you have been neglectful of your family’s spiritual nurture, or if you have walked proudly, confess it now. End your backsliding, for there need be no more misery. He is not unrighteous to forget your labor of love. But remember that a friend in need is a friend indeed. Test Him now, bring your empty purse and your heavy heart to Him. Venture, my brother, down into your little family having first called upon God for guidance. He may not deliver you in the way you prescribe, but He will give you Himself, and that is more than gold. Glorify Him by trusting His eternal provision, even when the earthly cisterns run dry.