Dean,
You are responsible for the situation you're in right now. Not JollyGood or TMAN or RHaver or the "hackers" or anyone else. Just you.
If your goal is to make everyone whole, I suggest putting more time into that instead of trying to play the victim while being a dick all the time. It's just not working.
Yes... 1000% start making a concerted effort to not be a cunt, start making payments or build a small fund with a trusted escrow and Ill leave you be. If not the TMAN will do all. In my power to make you unhappy