My whole life has been a waste. Â I have a lousy job, out of control debt, and a wife who doesn’t stop buying. Â I have no future, no friends and no reason to live. I want my family to be better off and they will with me dead. But the only way that can happen is for me to die of natural causes or an accident so they can get my life insurance. I don’t want to live but can’t kill myself. I am in a loss-loss situation.