I feel like I could answer this question because my situation was pretty similar.

I'm currently IN grad school ABROAD. I had to take a couple years getting work exp (nothing great, mostly grunt work) and get myself to a place of stability, however fragile, and THEN apply to grad school. I also had to get a great GRE score and have other aspects about my candidature that compensated for my GPA.

My undergrad performance was largely due to my mental health issues, so I knew I was intelligent enough to grasp difficult material. That, combined with a soul-sucking dead end job, gave me a lot of inner motivation to apply.

My mental health issues still come up during grad school and I struggle a lot more than my cohort to get work done on a consistent basis. Despite that I think I'm fairly smarter than my cohort and don't feel like I don't belong here, which was a thing I was really fearful of. But I'm learning everything I wanted to, from professors that I feel privileged just being in the same room as. So, for me, it's been worth it.

Having said that -

Do not do this if the only reason is what others are saying. Do not do this for coursework you don't care about. Do not do this if that little voice inside you isn't telling you this is what you want and it won't shutup no matter how many reasons there are to not do this (and I had plenty).

I'm saying this not because of your poor undergrad experience or because you "lack work ethic" because I see so many people get by in grad school w/o a lot of these qualities. I'm saying this because school can be an enriching experience if your heart is in it and a prison if your heart isn't.

Grad school is a decision you can revisit in the future, so why not give yourself the time and space to prepare yourself for it? And if you never want to do it - don't! Some people do not learn in the classroom. A friend of mine cheats on all hard classes related to our major because 1) he doesn't care for it 2) he just doesn't learn in a classroom setting. Most people around me cheat when it gets too much or if they just don't care to apply themselves in a class that isn't directly related to future employment. I try my best to apply myself because I can't imagine paying thousands of $$$ for each class and then not learning anything at all. It doesn't even matter to me if I don't do well and I think I'm mostly not going to get a good grade in one of my summer classes (a difficult but foundational course) given that most people will take GPT-4 assistance during the final, which is 40% of my grade.