Have you ever been called a victim?

I suffer with bipolar, currently I am very depressed. At this time, everything seems insurmountable, too much to handle and often I am filled with despair. I also live alone, have no job, and have incurred debt due to unemployment.

I have no insurance for therapy or medication which is not helping of course.

However, of late a few people who have cared, have called me a victim thinker. They also tell me to snap out of it, that I can achieve more than I am if I want to. So how does one change from being a victim thinker then, with positive thoughts? with different attitudes, or different actions? If one of my teeth breaks I am filled with panic, I don’t have the money to fix it, I fear dentists and am filled with all sorts of phobias. I wish I could have a brain transplant to be honest. How do I stop being a victim and so fearful?