I have been on the streets, for more than a year and can tell you and every one else, that it isn't a lot of fun, but then, it also isn't as bad as what you think it is. Sure, the nights are cold and lonely, dark and silent, and the days are filled with endless thoughts of how you will go about getting your next feed or even just surviving until the next day, but what I learnt from my experience is that as long as you are able to draw in that next breath of air, you aren't doing as worse as terminally ill children, people your own age, the elderly, who are confined to hospital beds 24 hours a day, being fed medication on an hourly basis with nothing to comfort them except the grim knowledge that they have nothing in this world that is able to help them.
52 years of life and misery? Wow, you have lived a full 22 years more than what I have, and if you have nothing to show for your life up until this point in time, then neither has anyone else. Sure, you probably aren't going to win a federal election and get yourself voted in as PM or president (whatever your country) and you probably will not be winning any scientific achievement awards or write the greatest novel in the history of humanity or even dive beneath the oceans and excavate lost-lost cities or temples from a civilisation unknown of today, but why think about all of the big things in life? It's the small things that count the most. If you have children and are a wonderful parent that they look up to you; help out one or more of your elderly neighbours when they need a hand around the yard or pushing a shopping trolley home; build a bird feeder in your backyard so you can admire the birds from the moment you wake up in the morning or even just finish an incredibly hard video game level that had you beat for months (yes, even that can make life meaningful for a lot of people)
If you have money and debt issues - take action to fix it in your life, don't just complain about it. The same with feeling miserable all the time - you only make yourself worse when you think like that, so get out of the house, do something you always enjoyed that will put it out of your mind for a few hours. Because even a few hours of not having to think or worry over things is preferrable to always thinking and worrying about something.