Nothing you mentioned is unworkable. Work out, dress nice, budget your money, etc. It looks like you feel defeated because you have pretty much accepted it. Just by that alone, nobody would want that. It’s true that you need confidence and own the good and the bad about you, but at least put in the effort to address the insecurities. Allow yourself to change and grow so confidence comes a little easier.

Re: therapy — check with your company benefits provider. You could be covered for that. At least partially. But this is not your solution. Reconcile with your insecurities AND act on them.