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Well, it sounds like you have a lot of reasons to not have children. I think that’s maybe the great understated tragedy of the economic fuckscape we live in: that a lot of good people can’t afford to properly have a family. There’s still plenty of room for happiness though, and I wish you the best of it.
Do you meditate? If not, start. Do you do a lot of screen-based entertainment? If so, cut back.
It could be that your issue is an innate genetic thing… but these are obvious and proven ways to improve your mental health and performance, and worth trying. Though meditation is difficult and video games are fun, so these aren’t particularly appealing, I know.