Hashi - I completely relate! I'm sad to say.
I have been unemployed for 5 years - this economy has been hell. I too always stayed in mid level jobs because I knew I was a little too unstable to go for more. I never went to college after high school because of it - and I never had children because of it. Then I lost my job due to a merger and became completely unhinged. Like you, I had so many regrets and couldn't forgive myself for taking the "wrong" job when I had two offers to choose from. Then I found that I was no longer "qualified" to hold the HR Manager position that I had held in my previous jobs because this economy was now flooded with very highly qualified candidates.
So I went to college - now I have my Master's Degree. I went into therapy because I was too emotionally unstable to work even though I desperately wanted to work again. It is all so unbelievable that I could feel too fragile to work - but I really did. Now I finally feel strong and emotionally solid but the economy hasn't recovered like I have. I have all these credentials now - still no job. It is a nightmare.
So I understand how you feel about fearing your future. I do too. And that fear can make your PTSD so much worse as it did for me. Your counselor is correct - you do have to have compassion for yourself. We both did the best we could with what we were dealing, with what we knew, and with the economy we lived in at the time. I have been able to get to that place of forgiveness within myself - and I think another important element that helps is trust. You have to trust that God provides for our needs, God makes a way where you can't find one. You can't do everything under your own power - you will have to rely on help from God. When you feel that panic - that is when you are thinking that the weight of the world is on your shoulders. Learn to give that to God. I hold tight to the scriptures "Be still and know that I am God" and "He works all things for good for those that love Him".
When I can't see the way and have no idea how it can work out - I finally have to rest in those words. He created the universe - He will find a way to provide for us.
I really hope this helps. If not, just please know I'm in that little boat floating down the s**t stream with you. If you go down, I go down with you.